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麦肯锡:中国银行业的明天在哪里–双轨战略(附下载)

报告下载:添加199IT官方微信【i199it】,回复关键词【中国银行业的明天】即可

金融危机后,全球银行业面临着前所未有的困境。银行从业者都在思考以下关键问题:未来的商业模式是什么?演进的路径是怎样的?制定发展战略的突破口又在哪里?需要建立哪些关键能力?麦肯锡研究了30多家全球领先银行的发展案例,结合中国市场趋势和行业发展现状,提出了国内银行未来需要密切关注的五大发展趋势和八大重要机遇,以及突破困境、转变商业模式、建立制胜能力的“双轨战略”。
我们认为,以下五大趋势对银行业的未来影响巨大:
1.行业格局发生变化:2014年,全球银行业平均收入增速仅为5%,ROE连续7年低于10%。在日趋严格的监管和新政要求下,银行业普遍高度关注资本的使用效率和资产质量。中国银行业同样面临艰巨的发展挑战:2013年我国17家上市银行的利润增速为12.8%,2014年降至个位数,只有7.7%,而2015年仅为1.9%。
2.新竞争对手闯入:随着移动互联等技术的风声水起,新兴的金融科技企业通过分解银行业务不断获取客户的钱包份额,撬动客户关系,蚕食市场份额。金融科技企业凭借极佳的客户体验和更低的运营成本,迅速抢占银行市场份额:预计2025年颠覆创新型金融科技企业可能降低银行在消费金融领域40%的收入,支付领域降低30%,中小企业贷款领域降低25%。
3.客户行为模式的转变:2014年移动互联网设备数量超过全世界总人口,预计未来5年移动数据量将增长10倍。利用数字化渠道获取金融服务已经成为主流,客户体验是当前全球银行CEO最为关注的关键领域之一。
4.新技术带来重大机遇:大数据、云技术、区块链和人工智能、物联网等新技术的日趋成熟有力地推动着银行提升数字化业务能力和客户体验。
5.银行商业模式将重塑:随着全球数字化时代的到来,银行业开始全面迈入数字化革命时代。银行业在未来的竞争中会逐渐分化,重新定位,未来可能形成四种商业模式:数字化全能银行、生态圈营造者、细分市场深耕者以及专业的规模供应商。
与此同时,中国银行业则迎来八大重要发展机遇:优化调整资产负债表、大力发展特色公司业务、强化金融市场业务、超常规发展零售业务、发展重点区域、做强互联网金融、做强资产管理、择机开展并购。

 

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