BankingIndustry

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Banking Industry

• The kinds of bank
  • Central Bank:People's Bank of China
  • Commercial Bank:CB AB ICBC
  • Policy Bank:China Department Bank
• The functions of bank
  • Financial institution, operate currency, credit bussiness,distribute credit currency,manage flow of currency, adjust supply and demand of currency, deal with deposits and loans as well as balance of currency,as agent of borrower and lender
• Marketing Strategies
  • Education
    • Objects
      • soon-to-be collage graduates
      • People with a history of credit problems
    • Means
      • community education sessions
      • publish a “Banking 101”blog
      • volunteers to speak
  • Peace of mind
    • offer special accounts
    • design a program
    • use an emotional appeal
  • Convenience
    • young people
      • direct download links from your website
      • offer a pick-up service
    • old people
      • help them conduct quick,friendly transactions
      • focus marketing materials on you convenient locations and low-effort.banking
  • Ease of comparison
    • service: the same products from different banks to decide which is better
• Problems
  • Failed Banks
    • commercial real estate loans
    • construction loans
      • decreasing numbers of customers
        • undercapitalization
    • land loans
  • Sub prime Lending
    • Object
      • weak credit
      • insufficient income
      • an unable job situation
    • features
      • adjustable rate mortgage
        • increasing payment
          • forclosures
      • certain indexes
      • plus a margin
  • Foreclosures
    • owe a deficiency balance
  • Bad Loans
    • 定义:逾期，经催收无法偿还
    • 原因
      • 破产
      • 死亡
      • 意外
• SWOT Analysis
  • Internal
    • Strengths
      • record-high annual returns
      • diversified investment portfolio offerings
      • decreases in transaction and trading fees
      • an increase in the number of ATM machines 
      • increased market share
    • Weaknesses
      • high loan rates
      • low bond credit ratings
      • an increased number of outstanding junk bonds
      • an increase in loan-sharking activity
      • an increased number of high-risk investment options
  • External
    • Opportunities
      • a growing economy
      • banking deregulation
      • increased client borrowing
      • an increase in the number of banks
      • an increase in the money supply
      • low government-set credit rates
      • larger customer checking account balance
    • Threats
      • a declining economy
      • increased banking regulations
      • larger capital gains taxes
      • new high-risk investment vehicles
      • high health care costs
• Design the SWOT Analysis Chart
  • a two-by-two chart
    • strengths weaknesses
    • opportunities threats

Banking Industry

• The kinds of bank
  • Central Bank:People's Bank of China
  • Commercial Bank:CB AB ICBC
  • Policy Bank:China Department Bank
• The functions of bank
  • Financial institution, operate currency, credit bussiness,distribute credit currency,manage flow of currency, adjust supply and demand of currency, deal with deposits and loans as well as balance of currency,as agent of borrower and lender
• Marketing Strategies
  • Education
    • Objects
      • soon-to-be collage graduates
      • People with a history of credit problems
    • Means
      • community education sessions
      • publish a “Banking 101”blog
      • volunteers to speak
  • Peace of mind
    • offer special accounts
    • design a program
    • use an emotional appeal
  • Convenience
    • young people
      • direct download links from your website
      • offer a pick-up service
    • old people
      • help them conduct quick,friendly transactions
      • focus marketing materials on you convenient locations and low-effort.banking
  • Ease of comparison
    • service: the same products from different banks to decide which is better
• Problems
  • Failed Banks
    • commercial real estate loans
    • construction loans
      • decreasing numbers of customers
        • undercapitalization
    • land loans
  • Sub prime Lending
    • Object
      • weak credit
      • insufficient income
      • an unable job situation
    • features
      • adjustable rate mortgage
        • increasing payment
          • forclosures
      • certain indexes
      • plus a margin
  • Foreclosures
    • owe a deficiency balance
  • Bad Loans
    • 定义:逾期，经催收无法偿还
    • 原因
      • 破产
      • 死亡
      • 意外
• SWOT Analysis
  • Internal
    • Strengths
      • record-high annual returns
      • diversified investment portfolio offerings
      • decreases in transaction and trading fees
      • an increase in the number of ATM machines 
      • increased market share
    • Weaknesses
      • high loan rates
      • low bond credit ratings
      • an increased number of outstanding junk bonds
      • an increase in loan-sharking activity
      • an increased number of high-risk investment options
  • External
    • Opportunities
      • a growing economy
      • banking deregulation
      • increased client borrowing
      • an increase in the number of banks
      • an increase in the money supply
      • low government-set credit rates
      • larger customer checking account balance
    • Threats
      • a declining economy
      • increased banking regulations
      • larger capital gains taxes
      • new high-risk investment vehicles
      • high health care costs
• Design the SWOT Analysis Chart
  • a two-by-two chart
    • strengths weaknesses
    • opportunities threats