民生银行大调架构 总行工作组进驻各地改革

Minsheng bank around major architecture working group of the headquarters to reform

Ready to send on Friday 20 $000 million convertible bond of minsheng bank, are quietly on a big internal adjustment, originally belong to branches of many rights, under the branch.

SMW reporter yesterday learned that minsheng bank head office to branches in several of its main parts of the country has recently sent a working group, to fully adjust the retail business, and guide the branch target is to do big branches. Branches of the stronger "Minsheng bank to put the sales work from a branch refers to the branch level." Minsheng bank chairman Dong Wenbiao (microblogging) said.

According to adjust to the idea of minsheng bank, minsheng bank branch in the future as more after-sales service center, the role of the branch is mainly as the after-sale management of financial services.

Around the head office team to reform

Since the end of brewing, minsheng bank retail business of currently being carried out is a low profile. The bank officials said recently, mainly considering the reform just started, and the reform work is very complicated, there are still many uncertainties. Yet by the bank's chairman Dong Wenbiao a series of recent position, how much it can be seen that the retail business of reform.

Small business will undoubtedly is the most important core business minsheng bank in the future, but in recent years in the business market is fierce competition from other Banks, between Banks "price war" or "line" intensified. Dong Wenbiao thinks that no wonder, for minsheng bank before small micro financial do is primary products, excessive emphasis on loans, and were 70% to 80% mortgage or guarantee, no technical content.

Clear the crux of the problem, find the direction to solve the problem. Dong Wenbiao "prescription" is: do big branches. Branches of the stronger Dong Wenbiao minsheng bank chairman, said the "minsheng bank to sales work from a branch refers to the branch level, and establish a standardized sales process, improve efficiency and business specialization level, completely solve the disadvantages of private lending resources."

In accordance with the retrofit scheme, minsheng bank will set up at the branch level data planning center, sales planning management center and sales center. Among them, the planning data center will be responsible for the collection for the branch where the relevant business data, positioning with local characteristics, accord with standard of minsheng bank strategy and suited for industrial chain, the focus of the financial services industry or business circle and set out for the industry's overall financial service planning and marketing strategy.

Branch after-sales management role

Sales planning function of management center is in the data center to determine macro planning, based on the concrete enterprise in the key industries or business circle, establishing policies of financial marketing of specialized enterprises. And sales center is not a simple collection of sales staff, but has multiple sales team, every sales team to set up sales managers, risk managers, product managers, and other segments of professional posts. At the same time, around the branch will be led by the deputy governor of a direct sales center operation of each team lead is responsible for the implementation shall be formulated by the planning center, a variety of marketing solutions.

In the new business process architecture, the branch's role is mainly as the after-sale management of financial services, namely the branch sales planning management centre when making sales plan, will specify a particular branch is responsible for a particular project after-sales service, and clearly to each branch service manager work direction is given. Branches are arranged according to these tasks, providing customers with all kinds of after-sales service, at the same time to collect all kinds of data as required, and timely feedback to the planning data of branch center.

Feedback data planning center will also according to subsidiaries of data, in a timely manner to adjust the overall strategy, and then affect the subsequent sales plan and sales, thus forming a complete, standardized business process dynamically.

The retrofit scheme is only one aspect of minsheng bank change in the next five years. Dong Wenbiao hope, the traditional commercial Banks "total - point - the" architecture of fundamental change, the system can bring more for minsheng bank bonuses.

Liu yonghao, shi yuzhu backed minsheng convertible bonds

Minsheng bank yesterday formally unveiled a $20 billion convertible bond issuance scheme, the initial stock price of 10.23 yuan/shares, from the bank yesterday closing price of 9.78 yuan per share premium of about 4.6%, have a certain value. And according to the bank of the convertible bond issuance scheme, existing shareholders would have preferential allotment. Analysts said in a report yesterday, the convertible bond issuance is expected to more than 50% in minsheng bank's existing shareholders subscribed.

Released in minsheng convertible bond issuance scheme at the same time, two minsheng will full participation subscribe heavyweight shareholders said. Mr Liu's new hope, according to the announcement intended to $1.5 billion in full participation subscribe convertible bonds, and at the same time to participate in the balance of the purchase. "Big mouth" shi yuzhu also on his personal microblog echoed Mr Liu: "is not fully subscribed a little silly."

Ending at the end of the third quarter of last year, Mr Liu and shi yuzhu through its company holding shares of bank of the people's livelihood reached 1.88 billion shares and 800 million shares, accounted for 6.67% and 2.85% of the total equity.

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