泛亚电竞

化繁为简的交易银行——专访广发银行环球交易泛亚电竞部总经理罗佳

发布:泛亚电竞_泛亚电竞app怎么下载-官网APP下载 2013-10-17 10:32 来源:泛亚电竞_泛亚电竞app怎么下载-官网APP下载 《中国外汇》2014年第17期 作者:王莉 白琳
在“交易银行”的框架下,支付结算是基础与起点,现金管理是核心,贸易金融是发展与延伸。

“jiaoyiyinxing”yexuduiguangdaduzhelaishuohaijiaoweimosheng。2012nian,guangfayinxingyouhuajigoushezhi,chenggongzujianhuanqiujiaoyifanyadianjingbu(global transaction service,jianchenggts),hangaimaoyirongzihexianjinguanliliangdayewubankuaijiduigongdianziqudao,shiguoneishoujiadazaojiaoyiyinxingjiagoudezhongziyinxing。guangfagtschengliliangnianlaidezhongjianyewushouru,lianxuzhanguangfayinxingduigongzhongjianyewude70%,zhenzhengchengweiletuidongyinxinggongsiyewufazhandeyinqing。

guangfayinxinghuanqiujiaoyifanyadianjingbuzongjingliluojiajieshaoshuo,jiaoyiyinxingyewushiweiraogongsirichangjingyinghuodongzhongfashengdechanpin、zijin、jinrongzichanliudongertigongdegaoduzonghe、litihuadejinrongfanyadianjing。zheibushijiandandechanpinzuhe,ershizaiyuanyouyewujichushangxingchengdexindelinianyuyewumoshi,youqiteshudeneihanyuyiyi。zai“jiaoyiyinxing”dekuangjiaxia,zhifujiesuanshijichuyuqidian,xianjinguanliweihexin,maoyijinrongshifazhanyuyanshen,shidalituozhanzaixiangongyingliandeyouxuanmoshi。

C=中国外汇 L=罗佳

C: “交易银行”对于国内银行而言,是一种新的理念和泛亚电竞模式,它与传统的贸易金融业务模式相比有哪些深刻变化?

L: 近些年来,银行业的改革步伐不断加大。一是随着中国企业“走出去”步伐的加快及经营活动范围的拓展,财资管理需求越来越多样化。企业更愿意与原有伙伴继续保持紧密的合作关系,希望银行能够为其提供流动性管理、现金管理、产业链上游关系管理等“一站式”整体泛亚电竞方案;二是同业竞争的加剧和宏观经济的变化,需要银行内部各自为战的业务线能高度整合为统一的泛亚电竞机制,以提高系统性解决方案的能力。以上两点促使交易银行模式应运而生。2012年,广发银行成功组建了环球交易泛亚电竞部,全面整合贸易融资、现金管理业务,成为首家拥有环球交易泛亚电竞架构的国内中资银行。

shouxian,jiaoyiyinxinggaibianlechuantongyinxingyewuyiyinxingchanpinweichufadiandeyingxiaolinian,yifanyadianjingqiyexuqiuzuoweimubiao,anqiyequanmiandejiaoyileixuqiuzhengheyinxingziyuan,weiqiyetigongjiaoyileiyewutongyichuangkouhejiheshipingtai,rangjiaoyibiandegengjiandan。gengjinyigecengcikan,jiaoyiyinxingbujinguanzhuqiyezijinguanlibenshen,erqiezaizongxiangshanghaijianguqiyeshangxiayoudezhengtiaogongyinglian,hengxiangshangzeyanshenzhiqiyeguanlideyouguanfangmian,rugongxiangfanyadianjingzhongxin、jizhongcaigouzhongxindefanyadianjingdeng。

泛亚电竞 qici,guangfagtsjiangduigongdianziqudaoyouxiaorongrujiaoyiyinxingfanyadianjingzhong,weiqiyetigongleanquanbianjiedegexinghuafanyadianjingtiyan。2013nianzhijin,fanyadianjingyiquanmianwanchenglexianjinguanlixitong、qiyewangyinheyinqizhiliansandaduigongdianziqudaodezhengheshengji,keyigenjuqiyedegexinghuaxuqiu,dapeibutongdeduigongdianziqudaofanyadianjing: qiyewangyinketigongbianjiedebiaozhunhuazaixianjinrongfanyadianjing,yinqizhiliankemanzuqiyetongguozishencaiwuruanjiancaozuoyinxingyewudexuqiu,xianjinguanlixitongzekeweiqiyeliangshendingzhizijinguanlifangan。

tongshi,jiaoyiyinxingyeweiyinxingbenshentigongledashujupingtai,yinxingkejiyugezhongjiaoyileishujujinxingxinkehuwajuehegechanpinjiaochayingxiao。

泛亚电竞 zheixiebianhuashideguangfayinxingzaishichanghekehuxuqiushunxiwanbiandehuanjingzhong,nenggoubuduanfazhan,zhudongdiaozheng,congzhengtixuqiufangmiangaodupeihekehu,zengjiakehudeyicundu,chengweikehudezhangqifazhanhuoban。

C: 交易银行从客户的需求出发,为企业提供了统一窗口和集合式平台,请您就此谈谈发展交易银行业务对商业银行的现实意义?

L: 泛亚电竞发展交易银行业务的好处是显而易见的。就银行而论,收益与存款一直是业务发展的生命线。因此,如何提高客户黏度,吸引更多的客户及低成本的存款成为银行对公业务转型的突破口。同时,随着同业竞争加剧,企业选择合作银行不再单纯关注业务成本,银行的综合解决能力、泛亚电竞效率及使用体验,正日渐成为企业新的重要考量因素。

泛亚电竞 gtschanpinlinghuoduoyangderongzifangshi,kequanfangweimanzukehuduoyanghuadejinrongfanyadianjingxuqiu;tongshizaijiaoyifanyadianjingzhenghepingtaishang,chanpin、dianziqudao、duigongkefukeshixiangaoxiaowufenglianjie,qiyedecaiwuyugoutongchengbendeyiyouxiaojiangdi、fanyadianjingtiyandedaoyouhua,tongshihainengweiyinxingchendianjiaodichengbendecunkuan。ciwai,youyugtschanpinfugaileqiyejiaoyijiesuan、maoyirongzi,shenzhijituanneibudecaiziguanli,jinmiqianruleqiyegongyingliandegegehuanjie,shiyinxingnenggoujishi、quanmiandilejiedaoqiyerichangjiaoyidehuowuliu、zijinliudengxinxi,congerkeyouxiaojiangdiyinxingdefengxian。

泛亚电竞 fazhanjiaoyiyinxingliangnianduolai,fanyadianjingyishenqieganshoudaogtsjiyinxingyewumoshidailaideshenkebianhua,baokuozaizuzhijiagouguanlijizhonghua,caizifanyadianjingfanganliandongzuhehua,shichangyingxiaofangshijiaochahua,xinxishujuziyuangongxianghua,yewuguanlijicaozuopingtaidianzihuadengduogefangmian。

泛亚电竞 zaifazhanyewudetongshi,fanyadianjingdechuangxinbufayezaibuduanjiasu。liru,2013niandi,zaiguoneizhongziyinxingzhonglvxiandazaoqiyekehuzhuanshudeduigongkehufanyadianjingzhongxin,shoujiatuichudanzhengyewuzaixianchaxungongneng。zuijin,fanyadianjingyouzaitongyezhongshoutuiqiyewangyinquanzidongjiehuijitongmingwaihuizhuanzhanggongneng,chengweishougeshunlitongguoguojiawaihuiguanlijuhuowumaoyiwaihuijiancexitonglianjifanyadianjingjiekouyanshoudeyinxing。duiyuzaiwaihuijudengjiweialeideqiye,zaifuhewaihuizhengcedeqiantixia,fanyadianjingkezhichiqitongguoqiyewangyinquanzidongbanlihuowumaoyixiangxia(zhuankoumaoyichuwai)dewangshangjiehuijitongmingwaihuizhuanzhang。

C: 供应链金融与现金管理的有机结合是当前贸易金融领域的热点课题。广发银行是如何运用“交易银行”的理念和架构突破这一课题的?

L: 供应链是信息流、资金流、物流、商流高度融合的体系,金融在其中扮演了重要角色。对于银行来说,为供应链的上下游企业提供资金结算、贸易融资、现金管理、投资银行、资产托管、综合金融等全方位、多层次的泛亚电竞,将逐步成为银行面对供应链金融的主动选择。

泛亚电竞 duiyugongyingliandehexinqiyelaishuo,yinjiaoyiliangdaqiepinfan,xuyaoyinxingtigongyizhanshidecaizijiejuefangan,kaizhanxiangmurongzi、zhaiquanrongzideng。fanyadianjingjianggongyinglianjinronghexianjinguanlizuoweiyigemibukefendezhengti,yituojiaoyiyinxingzhengheshipingtai,tongguoxianjinguanlihehexinqiyejinxingjinmihezuo,jiejuehexinqiyedeneibucaiziguanliwenti。duiyushangxiayouzhongxiaoqiyelaishuo,wangwangguimoxiaoqiecaiwuguanlibuguifan,zixinqingkuangnanyidadaoyinxingshouxinyaoqiu,jiaonanzaiyinxingrongdaozijin。fanyadianjingtupolechuantongshouxinzhengcexianzhi,shixianleyingxiaomoshijifengxianlinianchuangxin: liyonggongyingliandeyoushi,tongguohexinqiyedexinyongkunbang,shixianleduizhongxiaoqiyezaibaoli、yufukuan、dongchandengduogechanpinshangdepiliangkaifa。lingyifangmian,fanyadianjingxinggongyinglianjinronghaironghelexianjinguanlihezichantuoguanfanyadianjing,tebieshiduiyudisanfangjiaoyipingtai,fanyadianjingxingtongguoxingneizhuanyouxitong,ketongshitigongzijinjiesuanhezichantuoguanfanyadianjing,bingzaicijichushangjinxingmaoyirongziyewu,quanfangweimanzukehuxuqiu。

泛亚电竞 fanyadianjingxianyikaizhanzaixiangongyinglianfanyadianjing,chongfenliyongxiandaixinxikeji,tupoxianyougongyinglianchanpinzaishijianhekongjianshangdeshufu,jiakuaishangxiayou、hexinqiyeheyinxingzhijiandeshujuliudong,jianggongyingliandezijinliu、wuliu、xinxiliujiayiyoujizhenghe,zuodaoquanliantiaodegaoxiaoxiediaoyunzuo。zaixiangongyinglianzhenggeliuchengjiangwuzhihuacaozuo,kejiangxianzaiantianjisuandeyewuchulizhouqisuoduanzhiyifenzhongjisuan,weikehudailaiquanxindekuaijietiyan。

C: 如何解决中小企业融资难问题一直是社会关注的焦点话题。广发制定了“做中国最高效的中小企业银行”的发展战略,交易银行业务如何配合这一战略?

L: 为了支持中小企业的发展,广发银行明确了“做中国最高效的中小企业银行”战略发展方向。与国际大型银行传统交易银行类业务不同,广发GTS业务不仅泛亚电竞于大型企业为主的核心客户,更着重泛亚电竞于众多中小企业客户群,并为配合中小企业发展战略开拓和创新了交易类银行业务模式。

yishiyituoxinyongganggan,piliangkaifazhongxiaoqiyekehu,tongshiyouxiaokongzhifengxian。zaijinrongtuomeihelilvshichanghuadequshibeijingxia,guangfayinxingweishunyingzhongxiaoqiyezhanlvezhuanxing,tongguoyituoshangxiayougongyinglianhezuoguanxihedisanfangxinyongzengjidengyewumoshi,chongfenzhenghehuowuliu、zijinliuhexinxiliu,youxiaokongzhizhongxiaoqiyeshouxinfengxian,manzuqixindaizijinxuqiu。yucitongshi,fanyadianjingshixianleyingxiaomoshijifengxianlinianchuangxin,piliangkaifayingxiaoyouzhizhongxiaoqiyedegongyingliankehuqun,tupochuantongshouxinzhengcexianzhi,tigaozhongxiaoqiyeshouxinshenpidexiaolv。

泛亚电竞 ershishixianchengbenjiyuehua。zhongxiaoqiyekehushuliangduo,dangekehugongxianduburudaxingkehu,zheijiuyaoqiuyinxingbixuguanzhuchengben,tigaoxiaoyi。yifangmian,fanyadianjingdeqiyewangyinweizhongduozhongxiaoqiyetigonglejianbian、zhuanye、anquandedianziqudaochanpin,henduoyiqianxuyaolinjubanlideyewuxianzaikezhichikehuzaiwangshangzizhukaitong。liruguojijiesuan、dianzishangyehuipiao、shuzizhengshugengxin、duanxintongzhifanyadianjingshezhidengduoxiangyewu,qiyejunkezizhubanli,dadajiangdileqijiaodichengben;haiyoufanyadianjingdeqiyewangyinjinnianxintuichudeduojishouquangongneng,kemanzuyixieyouduocengcicaiwuguanlijizhideqiyekehudexuqiu。lingyifangmian,fanyadianjingdalifazhanzaixiangongyinglianpingtaidengxitongfanyadianjing,conggenbenshangjiejuejiaoyiquanliuchengkongzhizhongmianlindecaozuofengxianhecaozuochengbenwenti,jinyibutishengduizhongxiaoqiyedejinrongfanyadianjingnengli。yucitongshi,fanyadianjingtongguozujiandanzhengzhongxin,jizhongchuliyewu,zaijiangdicaozuochengbendetongshitigaozhilianghezhuanyehuachengdu,shidewulunzhixinghekehushenchuhedi,dounengxiangshoudaogaozhiliangdetongyibiaozhunfanyadianjing。

sanshiyikehutiyanweizhongxin。yugerenyinxingkehuleisi,zhongxiaoqiyekehufeichangzhongshiduiyinxingchanpindetiyan。duiciguangfaqiyewangyindekaifazhongxinlinian,jiushiyouyuedekehutiyan,bingshouchuanglewangyincaozuo“sanbuqu”gainian,jiwangyinyewucaozuosanbuneijikewancheng。kaifatuanduizaikaifadeguochengzhongbuduanzhengxunkehuganshouheyijian,duiyuwangyindegexiangcaozuoshijiandadao“qiamiaobiao”decesuan。leisidehaiyoufanyadianjingdeduigongkefu。2013niandi,fanyadianjingjiejianguojixianjinjingyan,tuichuledanzhengyewuzaixianchaxungongneng,youzhuanyededuigongkefuzhuanyuanweikehutigongxinxichaxun、yewuzixun、yewushoulisandaleixingdedianhuayinxingfanyadianjing,fugailemaoyirongzi、xianjinguanli、zichantuoguan、gongsixindaideng9zhongleixingdeduigongyewu。tongguozhuanshuzhuanyededuigongkefuzhongxin,fanyadianjingshixianleduiqiyekehugaozhiliangdefanyadianjing。zheiyidianzaishujushangyededaoleyanzheng: 2014nianshangbannian,fanyadianjingduigongdianhuayinxingdekehumanyidudadao99.29%,gaoyutongyeshuiping。

C: 你认为在“交易银行”的发展过程中会面临哪些挑战?

L: 挑战主要来自两个方面:

yifangmian,jiangyuanbenfensandebumenzhinengzhengherongyi,danzhenzhengshixianxiaoshou、kefu、xitong、houtaicaozuodengfangmiankuabumen、duogongnengwufengduijiezecunzaiyidingnandu。guangfagtspingtaijiagoudeyidatedianjishizhenghelejiaoyileigezhongchanpin,binghangaileyingxiao、chanpin、qudaozhenggeliantiao,weikaifa、yingxiaoheshishijiaoyiyinxingzhengtijiejuefangantigonglelianghaojichu。danruhezuidachengdudifahuigtsdezhengheyoushi,rengshifanyadianjingshangweijiejuebingxubuduanyanjiudeketi。

泛亚电竞 lingyifangmian,suiranfanyadianjingzaiguoneizhongziyinxingzhongshoujiatuichulejiaoyiyinxingzhengheshifanyadianjing,dansuizhejiaoyiyinxinggainiandepuji,gengduotongyexiangjituichutamendejiaoyiyinxingfanyadianjing,yewudetongzhihuajingzhenghuiriqujilie。yaotishenghexinjingzhengli,yinxingbixuzaichanpin、shichangxiaoshou、kehufanyadianjing、itxitongdenglingyuquanmiantupo,zaikehuzhongxingchengyoukoujiebeidepinpaixiaoying,cainengzaijingzhengzhongtuoyingerchu。zheiyeshifanyadianjingyizhiweizhinulidemubiao。

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