The Profit Model Of Ping An Bank Guangzhou Branch A Analyze

Under the influence of multiple factors such as the slowdown in economic growth,the adjustment of industrial structure,the acceleration of interest rate marketization,and the VAT replace business tax policy etc,the profitability of some listed banks continued to show low growth,and transformation became the best choice for those banks.Each listed bank want to break through the current business bottlenecks by processing fee and commission income.Ping An Bank take serials actions to deepen reform and innovation,build intelligent retail banking.The paper analyzes the profit model of Ping An Bank Guangzhou A Branch,and then to promotes its excellent experience and to improves the profitability of the head office of Ping An Bank.This will also have a great reference for the profit model of China's commercial banks,and it will also play an important role in enhancing the international competitiveness of Chinese commercial banks.In this paper,through the extensive collection and theoretical exploration of literature,we studies the profit model of Bank A by using interest rate determinism,financial development theory,field research method,theoretical foundation bedding and panel data empirical analysis.We mainly focuses on three aspects: the first point,the income structure of Bank A.In the actual operating income of Bank A,the processing fee and commission net income accounted for a very large percent,up to 66%,far beyond the average of other banks of Guangzhou.And It is 2.5 times as much as Ping An Bank's head office fees and commissions income.Bank A has been successfully transformed from a single deposit and loan business to a retail outlet that is mainly financed by fees and commissions;Secondly,how does the branches cut costs? After identifying and focusing on those major customer groups: doctors and retirees,some products suite can meet their needs.And it also can achieve the focus of the sub-sales of products sales.Finally,to achieve a win-win situation.At the same time through the incentive measures so that employees work more efficiently,to achieve maximum efficiency,reasonable division of labor,and control costs.The third point,how to cultivate the financial management professional marketing skills.Cultivate customers loyalty,focus on maintaining VIP customers,analysis of key sales of products and promotion,learn the allocation of assets are all important means of training professionalism.Cultivate a strong professional sales force in order to achieve more profits.And starting from the customer's basic demands,cut into the appropriate products,to achieve profitability.This case can be drawn :First,commercial Banks want to profit model transformation,cannot leave on the depth of field data analysis;Second,in various ways to build marketing ability strong team achieve the goal of sales;Again,do a good job in the bank risk prevention,hold the last line of defense of compliance;Finally,through decomposition and process management to reach the key profit product sales in the end Eventually optimize the structure of our income,realize the fees and commissions by net income as the main profit model of target,successful profit pattern transformation.