[精选]中小企业银行业务的国际趋势78155

Cliquez pour modifier le style du titre,Cliquez pour modifier les styles du texte du masque,Deuxime niveau,Troisime niveau,*,中小企业银行业务的国际趋势,Global Trends in SME Banking,中国天津,2007,年,6,月,20,日，,21,日,Tianjin,China,20,th,/21,st,June,2007,托尼,李斯格 国际金融公司全球金融市场部征信发展首席金融专家,Tony LythgoePrincipal Financial Specialist,IFC Global Financial Markets,国际金融公司（,IFC,）的全球中小企业银行业务基准调查项目,IFCs Global SME Benchmarking Project,IFC,首创的针对中小企业银行业务的最佳实践基准研究,Pioneer,IFC initiative to benchmark best practices in SME Banking,目的明确中小企业银行业务的关键成功因素，找出业绩表现与商业模式、流程和工具之间的联系,Goal-to identify key success factors in SME Banking and highlight links between performance and business models,processes and tools,调查对象包括了五个经合组织国家和六个新兴市场国家的良好实践银行,Exercise includes good practice banks in 5 OECD and 6 emerging market(EM)countries,11,家调查银行的选择基于,IFC,对中小企业银行这一行业的了解,Panel banks were selected based on IFCs internal knowledge of the SME Banking sector in the markets involved,国际金融公司的全球中小企业银行业务基准调查项目,IFCs Global SME Benchmarking Project,目标,Objective,给参与项目的银行提供了一个有价值的机会：,Provide participating banks with a valuable opportunity to:,(i),将自身实践与行业内的顶级机构进行比较,benchmark its practices against other top institutions in the industry and,(ii),为,IFC,履行其发展职能提供支持，帮助,IFC,在全球范围内提高各国对中小企业银行业务成功因素的认识，并与其它领先者一起促进中小企业银行业务在新兴市场的发展,support,IFC in its development mission to raise global awareness of the success factors in SME Banking as well as promote SME Banking in,emerging markets,alongside other leading players,提高,IFC,技术援助工作的设计水平，为,IFC,的客户和合作伙伴带来更大的价值,Add,value to IFCs clients and partners through enhanced design of IFCs technical assistance advisory work,方法,Methodology,定性基准研究：对每一家参与项目的银行进行为期两天的银行访谈，与其讨论它们面临的主要挑战、成功驱动因素和为客户提供的独特价值,Qualitative benchmarking study:carried out through 2-day bank interviews to discuss key challenges,success drivers and unique value proposition of each participant bank,定量基准：定量数据来自于调研得到的信息和各银行提供的数据表,Quantitative benchmarks:gathered through surveys and data tables submitted by the banks,调查问卷的设计延用了,IFC,中小企业业务诊断工具箱的分析框架（见接下来的幻灯片）,Surveys,questionnaires were designed using the framework of assessment developed in IFCs SME Diagnostic Toolkit(see next slide,),共收集了,17,份问卷，其中,10,份为针对小企业银行业务的，,7,份为针对中型企业银行业务的,A,total of 17 surveys were submitted:10 small business(SB)surveys and 7 mid-market(MM)surveys,项目成果,Project Output,已经形成了保密报告，仅提供给参与项目的机构,Confidential benchmarking report restricted to participating institutions only,国际金融公司的全球中小企业银行业务基准调查项目,IFCs Global SME Benchmarking Project,评估框架：基于,IFC,中小企业银行业务评估指南,Framework,of Assessment:based on IFC SME Banking CHECK,包括五个方面的全面分析框架：,市场细分和商业模式,产品,销售和分销渠道,信贷风险管理,信息技术和管理信息系统,评估产品,:,诊断报告,摘要,银行的财务表现,差距分析,基准和评级,改善建议,技术援助建议书,State-of-the-art(SOTA)Bank,研究对象银行,对比群体,资产质量,Governance,Strategy,SME Focus,SME,Banking,Performance,Markets,Products,Services,Sales&,Delivery,Channels,Credit,Risk,Management,IT,&,MIS,Revenue,Generation,Asset,Quality,Operating,Efficiency,治理结构，战略和专注于中小企业,中小企,业银行业,务表现,市场，,产品,服务,销售,和,分销渠道,信贷,风险,管理,IT,和,管理,信息系统,收入,产生,资产,质量,经营,效率,管理和组织,信贷政策,信贷审批程序,贷款组合监控,不良贷款管理,风险模型,SOTA,Bank,管理和组织,信贷政策,信贷审批程序,贷款组合监控,不良贷款管理,风险模型,SOTA,Peers,卓越银行,Framework of Assessment:based on IFC SME Banking CHECK,A comprehensive analytical framework,with 5 areas:,Segmentation&Business Models,Products,Sales&Delivery Channels,Credit Risk Management,IT&MIS,Deliverables:,Diagnostic Report,Executive Summary,Banks Financial Performance,Gap Analysis,Benchmarking and Rating,Recommendations for Improvement,Technical Assistance Proposal,State-of-the-art(SOTA)Bank,the Bank,the Peer Group,主要发现,Key Findings,中小企业银行业务是一个机会，尽管挑战不少，但这是一项盈利十分高的业务,SME Banking is an opportunity and despite its challenges,it can be very profitable,即使是在经合组织国家，那里的银行也还处于学习和改善其中小企业银行商业模式的阶段,Even in OECD countries,banks are still learning and refining their business models,许多参与项目调查的银行都已开展了多年的中小企业银行业务，但他们现在仍然在不断地改善其商业模式，以提高利润率和或拓展业务范围,Most of the participating banks have been in SME Banking years but they are constantly revisiting their business model to improve profitability and/or outreach,现有商业模式的创建时间大都少于两年,Current business models tend to be less than 2-year old,有,11,个商业模式仍处于起始阶段,11,models are still in an early phase,在总共,17,个模式中，只有,6,个基本处于定形阶段,Only,6 models out of 17,in total are in a relatively definitive shape,这,6,个较成熟的模式中，有,5,个仍在进一步改进中,Of,these 6 developed models,5 models are still being improved,主要发现,Key Findings,实例：一家银行最近与另一家银行合并，以便将其商业模式拓展到更多的分行中去；一家银行目前正在进行信贷流程再造和新产品开发；一家银行目前刚推出一种针对小客户的新产品,Examples:,One bank recently merged with another bank to find a way to expand its model to a greater number of branches;another bank is currently working on reengineering its credit process and new product development while another is currently launching a new product to reach smaller clients,项目参与银行将中小企业业务提升到战略高度,Participant Banks View SMEs as Strategic,仍然未被开发,Still underserved,“,我们将中小企业视为需要进行业务渗透的关键领域，因为它还是一片未被开发的处女地”,“,We looked into SMEs as a critical area to penetrate given the un-tapped opportunity”,将其与经济的其它部分结合起来,Integrated with the rest of the economy,“,我们大多数的私人银行业务客户都是中小企业业主”,“,The bulk of our Privat