China bank industry market forecast and investment strategy report, 2013 2017

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PrefaceThe asset size and profit of bank industry in China had greatly increased year by year. However, the development of bank industry is up against unprecedented challenges along with China financial reform and the progress of interest rate liberalization and RMB internationalization. Under the background of fierce competition and slower macro-economic, bank financial institution should make a strategic adjustment to business structure, resource allocation and regional distribution.

Competition of bank industry is more and more fierce. In the meantime, merger and capital operation among large financial institutions are ever frequent. And the outstanding financial institutions in China are placing more importance on the research of the industry market, especially the depth research of industry development environment and customers. Accordingly, many splendid domestic corporations are springing up and become leaders in Bank Industry gradually!Basing on the market data of Bank Industry, which tracked and collected by Forward in long-term, and applying the international scientific analysis model, this report provides you an overall analysis system in the height of the whole industry comprehensively and accurately. Major contents of this report include the following aspects: overall operation status of China Bank Industry; economic and financial environment to the development of China Bank Industry; development of Bank Industry under the circumstance of financial reform; development of Bank Industry under the circumstance of financial innovation; cases study of telecom commercial banks; comparison of the commercial banks in China and America; competitiveness status of Bank Industry; development forecast of Bank Industry. Basing on the practical experience of foreign financial reform, and typical development cases of Bank Industry in China, this report will provide a development trend of Bank Industry and help you gain the first chances during competition.

The most significant features of this report are perceptiveness and timeliness. It gives a prudent analysis and forecast of Bank Industry according to the industry development track and Forwards years of practical experience. In conclusion, it is a significant report to learn about the latest development trend, grab market opportunities, and make correct marketing decision and explicit corporations development trend for financial institutions, R&D institutions and investment corporations. Besides, it is the first heavyweight report to give a comprehensive and systematic analysis about the upstream and downstream industrial chain, as well as key corporations in Bank Industry.This report is useful for financial institutions, R&D institutes, marketing corporations and Investment corporations for the following reasons: it will help them to accurately know the latest development trend and timely discover the market gaps, opportunities, growth points and profit points of industrial textile industry; it will assist them to grasp the unmet market demand and development trend prospectively, form the sustainable advantages, avoid the investment risks effectively, consolidate or expand relevant strategic target markets more efficiently, and firmly grasp the competition initiative.Here, we would like to express our sincere gratitude to State Information Center, Bureau of Statistics of China, International Information Research Institute, Chinese Academy of International Trade and Economic Cooperation, Tsinghua University Library, Development Research Center of the State Council and Beijing Essence Forward Research Center, for their great support when we conduct this report!Notice: All the market data, especially corporations' ranking data in the report, only for business reference. Please do not take the data for enterprise publicity. Thank you! Or Forward shall not take any responsibility for any consequences! Special Notes: Neglecting the subtle signals of dramatically changing external environment, and untimely update strategies along with the changing environment will lead to the loss of competition advantages. The successful corporations will keep a scientific analysis upon the external environment before making their significant operational strategies! Forward Business Intelligence sincerely wishes every ambitious corporation can make a significant operational strategy, effectively avoid the industry risks and gain the continuous success!Forward Business Intelligence Co., Ltd. Industry Research Center Research Team of Bank Industry

CONTENTSChapter IDevelopment Overview of China Bank Industry

1.1 Prosperity Period of Bank Industry

1.1.1Boom Index of China Bank Industry

(1)Confidence Index of Bankers

(2)Boom Index of Bank Industry

(3)Monetary Policy

(4)Boom Index of Loan Demand

1.1.2Periodic Characteristics of China Bank Industry

1.1.3Comparison of the Period of Bank Industry at Home and Abroad

1.2 Business Index of Commercial Bank

1.2.1Capital Adequacy Ratio of Commercial Bank

1.2.2Non-performing Loan Ratio of Commercial Bank

1.2.3Profitability of Commercial Bank

1.2.4Loan-to-Deposit Ratio of Commercial Bank

1.3 Operation Status of Public Bank

1.3.1Operation Scale of Public Bank

1.3.2Profitability of Public Bank

1.3.3Revenue Structure of Public Bank

1.3.4Asset Quality of Public Bank

1.3.5Capital Adequacy Ratio of Public Bank

1.3.6Cost Control Capability of Public Bank

Chapter IIDevelopment Environment of China Bank Industry

2.1 Macro-economic Environment of Bank Industry

2.1.1Periodic Characteristics of Macro-economic

2.1.2Correlation between Bank Industry and Macro-economic

2.1.3Forecast of Bank Industry and Macro-economic Trend

2.2 Influence of Financial Reform

2.2.1Current Financial Reforming Policy

2.2.2Influence of RMB Internationalization

(1)Underwriting Business of Dim Sum Bonds

(2)Influence of RQFII Products

(3)Influence of Trading Settlement Business

(4)Offshore RMB Business in Hong Kong

2.2.3Influence of Interest Market-oriented Reform

2.2.4Banks Preparation to Financial Reform

2.3 Supervision Environment of Bank Industry

2.3.1Interpretation of Capital Management Measures for Commercial Banks (Capital Measures for short)

(1)Implementation Progress of Capital Measures

(2)Major Characteristics of Basel Promoted in China

(3)Suggestions of Implementation Strategy to Bank Institutions

2.3.2Service Specification Trend of Commercial Banks

2.4 Development Environment of the Industries in China

2.4.1Planning Distribution of the Industries in China

2.4.2Transformation and Upgrading Trend of Entity Economy

(1)Integration, Collectivization and Internationalization Trend of the Corporation Operation

(2)Integration Trend of Informatization and Industrialization

(3)Combining Trend of Industrial Capital and Financial Capital

(4)Development Trend of Corporation Merger

(5)Development Trend of Strategic and New Industry Group

(6)Synergetic Development Trend of City Group

2.5 High-risk and Over Capacity Fields

2.5.1Distribution of High-risk Industry

2.5.2Distribution Forecast of Over Capacity Fields

2.5.3Loaning Strategy of High-risk and Over Capacity Fields of Banks

Chapter IIIOperation Model of Modernization Commercial Banks

3.1 Operation Model of Foreign Commercial Bank

3.1.1Organization System of Foreign Commercial Bank

(1)Branch System Structure of Foreign Commercial Bank

(2)Internal Organization Structure of Foreign Commercial Bank

(3)Development Trend of the Organization System of Modernization Commercial Banks

3.1.2Marketing Model of Foreign Commercial Bank

3.1.3Customer Service Model of Foreign Commercial Bank

3.1.4Operation Model of Foreign Commercial Bank

3.1.5Risk Management Model of Foreign Commercial Bank

3.2 Operation Model of China Commercial Bank

3.2.1Business System Structure of Commercial Bank

(1)Outstanding Business System Structure of Banks

(2)Business System Structure of Large State-owned Banks

a.Business System Structure of Industrial and Commercial Bank of China

b.Business System Structure of China Construction Bank

c.Business System Structure of Bank of China

d.Business System Structure of Agricultural Bank

(3)Business System Structure Target Pattern of Large State-owned Banks

a.Business System Structure Target Pattern of Industrial and Commercial Bank of China

b.Business System Structure Target Pattern of China Construction Bank

c.Business System Structure Target Pattern of Bank of China

d.Business System Structure Target Pattern of Agricultural Bank

3.2.2Marketing Model of Commercial Banks

3.2.3Customer Service Model of Commercial Bank

3.2.4Risk Management Model of Commercial Bank

3.3 Operation Experience of Commercial Banks

3.3.1Comparison of Advanced Operation Model of Foreign Banks

(1)Basic Status of HSBC and Citibank

(2)Comparison of Strategy Implementation of HSBC and Citibank

(3)Comparison of Organization and Human Resources of HSBC and Citibank

(4)Marketing Comparison of HSBC and Citibank

(5)Operation Comparison of HSBC and Citibank

(6)Comparison of Internal Control and Risk Management of HSBC and Citibank

(7)Comparison of Innovation and Computer Application of HSBC and Citibank

3.3.2Operation Experience of Foreign Commercial Banks

Chapter IVInternet Bank Business of China Bank Industry

4.1 Development of Internet Bank Platform

4.1.1User Scale of China Internet Bank

4.1.2Transaction Scale of China Internet Bank

4.1.3Comparison of Internet Bank Users Characteristics

(1)Age Distribution of Internet Bank Users

(2)Regional Distribution of Internet Bank Users

(3)Using Concentration Ratio of Internet Bank

(4)Payment Amount of Internet Bank Users

(5)Brand Preference of Internet Bank Users

(6)Analysis of the Customers Applying Internet Bank and Online Payment

(7)Potential Demands of Internet Bank Users

4.1.4Competitive Structure of Internet Bank Business

4.1.5Prospect Forecast of Internet Bank Business

4.2 Development of Mobile Bank Platform

4.2.1Analysis of Mobile Service and Technology Environment

4.2.2Analysis of Mobile Payment Value Chain

4.2.3Development Status of Mobile Payment Industry

(1)Issue of Mobile Payment License

(2)Business Distribution of Mobile Payment Corporations

(3)Transaction Scale of Mobile Payment

4.2.4Mobile Payment Cooperating with Banks

4.2.5Competition between Mobile Payment and Banks

4.2.6Development Trend of Mobile Bank Business

4.2.7Strategy Planning of Mobile Bank Business

4.3 Development of E-commerce Platform

4.3.1Development Status of E-commerce Platform

(1)E-commerce Market Scale of Corporations

(2)Internet Retailing Market Scale

4.3.2Development Scale of Mobile E-commerce

4.3.3E-commerce Business Scale of Commercial Bank

4.3.4Development Opportunities of E-commerce Business of Commercial Bank

4.3.5Competition Strategy of E-commerce Business of Commercial Bank

4.4 Development of Phone Bank Platform

4.4.1Service Range of Phone Bank Business

4.4.2Scale of Phone Bank Business

4.4.3Comparison of Phone Bank Service Characteristics

4.4.4Development Prospects of Phone Bank Platform

4.5 Development of Self-service Network

4.5.1Development Scale of Self-service Networks

(1)Overall ATM Machine Market Inventory in China

(2)Networking ATM Machine Market Inventory in China

(3)Per Capita Market Inventory of ATM Machine in China

(4)Gaps of ATM Machine Market Inventory in China

4.5.2Distribution of Self-service Service Network

(1)Regional Distribution

(2)Users Distribution

(3)Distribution of Time Quantum

(4)Distribution of Implementation

(5)Distribution of Users Age

4.5.3Analysis of Major Self-service Stations

4.5.4Development Trend of Self-service Stations

Chapter VDevelopment Trend of Intermediate Business of China Bank Industry

5.1 Development Trend of Commercial Bank Financial Products

5.1.1Scale of Commercial Bank Financial Products

5.1.2Constituent Structure Trend of Issuing Bank

5.1.3Trend of Financial Product Amount of Different Types

5.1.4Investment Currency Trend of Financial Products

5.1.5Investment Category Trend of Financial Products

5.1.6Merge Sort Trend of Financial Products

5.2 Development Trend of Bank Card Business of Commercial Banks

5.2.1Issuing Scale of Bank Card Business

5.2.2Consumption by Bank Card

5.2.3Competition of Bank Card Issuing Market

(1)Analysis of Deposit Card Issuing Market

(2)Analysis of Credit Card Issuing Market

5.2.4Multi-bank Transaction of Bank Card

5.2.5Development Trend of Bank Card Business

5.3 Development Trend of other Intermediate Business of Commercial Bank

5.3.1Development Trend of Bank Payment Settlement Business

5.3.2Development Trend of Bank Guarantee Business

5.3.3Development Trend of Bank Agency Intermediate Business

Chapter VICustomer Group of China Commercial Bank Corporations

6.1 Customer Characteristics of Large Corporations

6.1.1Loaning Bargaining Capability of Large Corporations

6.1.2Loan Channels of Large Corporations

6.1.3Operation Profit of Large Corporations

6.1.4Loan Scale of Large Corporations

6.1.5Bank Credit Trend for Large Corporations

6.1.6Loan Prospects of Large Corporations

6.2 Customer Characteristics of Small-medium-sized Enterprises

6.2.1Financing Policy Environment of Small-medium-sized Enterprises

6.2.2Scale and Distribution of Small-medium-sized Enterprises

(1)Definition of Small-medium-sized Enterprises

(2)Operating Characteristics of Small-medium-sized Enterprises

(3)Regional Distribution of Small-medium-sized Enterprises

(4)Industrial Distribution of Small-medium-sized Enterprises

6.2.3Financing Behavior of Small-medium-sized Enterprises

(1)Financing Demand of Small-medium-sized Enterprises

(2)Bank Loan Satisfaction Degree for Small-medium-sized Enterprises

(3)Financing Channel Preference for Small-medium-sized Enterprises

(4)Financing Cost of Small-medium-sized Enterprises

6.2.4Influencing Factors to the Loan of Small-medium-sized Enterprises

(1)Cost Benefit Factor

(2)Institutional Arrangement Factor

(3)Bank Corporation Distribution Factor

(4)Interest Rate Controlling Factor

6.3 Customer Characteristics of Small Business

6.3.1Financing Policy Environment of Small Business

6.3.2Definition of Small Business

6.3.3Operating Characteristics of Small Business

6.3.4Major Distribution of Small Business

6.3.5Financing Channels of Small Business

6.3.6Influencing Factors of the Loan to Small Business

6.4 Credit Loan Strategy of Commercial Bank

6.4.1Credit Loan Strategy of Large Corporations

(1)Loan Risk Evaluation of Large Corporations

(2)Loan Model of L...