www射-国产免费一级-欧美福利-亚洲成人福利-成人一区在线观看-亚州成人

   

The risks and returns of a financial supermarket

By Hu Yuanyuan (China Daily)
Updated: 2007-03-08 10:21

We are accustomed to shopping in supermarkets to satisfy our daily needs. Clothes, food, cosmetics, books, home appliances you name it, they have it.

But have you ever dreamed of a financial supermarket? Money changers, insurers, securities and fund management companies, all under the same roof?

Ma Weihua, president of China Merchants Bank, the country's most profitable lender, yesterday raised a motion in the Fifth Session of the 10th National People's Congress, pressing for a more comprehensive management for commercial banks.

The reason is quite simple. With the marketization of interest rates and more diversified direct financing channels, Chinese banks cannot rely on the shrinking interest gap between loans and deposits as its major revenue source.

They have to seek more growth points to drive their profits; and insurance, funds and securities management, and financial leasing appear to be perfect alternatives.

Meanwhile, with the opening up of the banking sector last year, Chinese banks are faced with stiff competition from their foreign rivals whose parent companies are usually financial holding firms, and thus excel in offering more product variety.

So Ma Weihua has a good reason to insist that the bar in Article 43 of the Commercial Bank Law, which was imposed in 1995, should be removed, allowing banks to invest in or take a controlling stake in non-bank financial institutions with the approval of regulators.

In fact, the government has given banks the green light to set up fund management and financial leasing companies. But banks are now looking for even bolder measures.

The financial supermarket, I believe, is just around the corner. But good as it sounds, the risks of comprehensive management must not be underestimated.

How to separate the risks of different units under the same umbrella will be another big challenge for commercial banks to manage after the door is pried open.


(For more biz stories, please visit Industry Updates)



主站蜘蛛池模板: 亚洲精品色 | 黄色美女网站在线观看 | 久久久久久毛片免费观看 | 免费成年人视频网站 | 欧洲女同互慰在线视频 | 亚洲综合成人网 | 日韩亚洲一区中文字幕 | 日本成年人视频网站 | 神马午夜在线 | 国产高清在线免费视频 | 欧美成 人h版在线观看 | 欧美成人aaa大片 | 国产精品不卡 | 99久久免费国产香蕉麻豆 | 一区二区三区在线免费观看视频 | 万全影院亚洲影院理论片 | 成人午夜影院 | 亚洲综合色自拍一区 | 91精品国产综合久久久久 | 国产香蕉98碰碰久久人人 | 国产特黄特色一级特色大片 | 99久久精品免费看国产一区二区 | 精品一区二区三区在线成人 | 免费看成人毛片 | 国语自产拍天天在线 | av在线亚洲男人的天堂 | 国产精品高清久久久久久久 | 99热久久国产精品免费观看 | 亚洲视频精品 | 国产精品不卡在线 | 国产网曝手机视频在线观看 | 中文字幕一区在线观看 | 久视频免费精品6 | 日韩中文字幕在线观看 | 女人扒开腿让男人捅啪啪 | 国产精品久久一区二区三区 | 欧美一级毛片无遮挡 | 日韩一区在线播放 | 视频精品一区二区三区 | 在线播放精品一区二区啪视频 | 97免费在线|