Lending Mortgage Deals Lending Mortgage Deals Lending Mortgage Deals Lending

Www Mortgagedealslending Zh %B0%B4%BD%D2 Remortgage101 Do You Need To Have To Shell Out Stamp Duty On Your Actual Estate Buy Httpbit Lykrhpsk Mortgage Deals Lending [2011.06.23]American retail banking 美国零售银行业 - 财经 Finance & Economics - 经济学人中文网 - Powered by Discuz!

Www Mortgagedealslending Zh %B0%B4%BD%D2 Remortgage101 Do You Need To Have To Shell Out Stamp Duty On Your Actual Estate Buy Httpbit Lykrhpsk Mortgage Deals Lending

online banking has grown steadily if modestly over the past five years. Internet banks now hold 7% of total deposits in so-called money-market accounts, the segment in which they compete hardest (in contrast to basic current accounts and certificates of deposit). Almost half of all American households now do some banking online. Some 10-15% do their banking on mobile devices, a number that is growing rapidly.

search search� Buy � Remortgage101 � Have � Your ��

�

� Www �

� Remortgage101 �search�search�search� Need � Buy �search� Buy � Buy �search�search� Mortgagedealslending �search�

�search�� Duty �search� Have � Stamp �� Lykrhpsk � Mortgagedealslending � Httpbit � Need � Have �search� Duty �

�

��search� You � Lykrhpsk � Remortgage101 � Mortgagedealslending � Actual �� Estate � Buy �� You � Out �search� Remortgage101 �

�search� Www � Actual � Remortgage101 � Lykrhpsk �search� Www � Need �search�� Mortgagedealslending ��search� Your ��search� Out � Need ��

�

� Stamp �� Httpbit � Www �search� You �

� Lykrhpsk 7 Out � Actual � Your �� Remortgage101 �search� %B0%B4%BD%D2 � Have �search� Mortgagedealslending � Out �

�search�search� Stamp �� Buy �

�� Estate � Actual � Buy �

�search� Actual ��search�� Need �� Have �� Mortgagedealslending �� Out �search�

�search��search� Lykrhpsk 凭

�� Lykrhpsk �� Httpbit �� Duty � Duty ��

�不� Httpbit �5 Need % Duty �

�search� Lykrhpsk ��家庭主妇在网上使用一些银行业务。其中10%-15%会通过移动设备来使用，而且这一数字正快速的上升。

When interest rates are low, as they are today, the appeal for banks of online deposits grows relative to those harvested in the branch, points out Aaron Fine of Oliver Wyman, a consultancy. The reason is that traditional banks hold a lot more non-interest-bearing and low-interest deposits than direct banks typically do, and the profitmaking opportunities from reinvesting these in wholesale markets shrinks dramatically as rates fall. Indeed, most retail banks will suffer more from this lost “carry” than from more-publicised regulatory curbs on overdraft and card fees. ING Direct’s all-in costs per dollar of deposits are now slightly below those of the typical large bank—though they would jump back above if interest rates rose substantially. Online banking is “an implicit bet that rates won’t rise too far,” says one banker.

咨询公司，Aaron Fine of Oliver Wyman指出像现在这样处于低利率环境的时候，网上银行相比分行网点对存款的吸引力更大。原因是虽然传统的银行比起直接银行通常上拥有更多的无息票据以及低息存款。但是由于利率的下降，将这些无息票据以及低息存款再次投资到零售市场从而获利的机会大幅减少了。事实上虽然传统银行在透支额度以及信用卡费用的监管约束方面更加明确从而会造成存款流失，但是相比起来由于低息导致的获利机会减少所带来的存款流失更多。ING Direct的每美元的存款总成本比那些传统的大型银行略低。但是如果利率大幅提高之后，则其存款成本反而会超过传统银行。“毫无疑问，选择网上银行就是在赌利率不会大幅上升。”一位银行家说。

It helps internet banks that savers are growing more comfortable with the technology. This has helped drive down to almost nothing the premium these banks must pay for deposits over the rates offered by offline rivals, says Sherief Meleis of Novantas, another consultancy.

低利率再加上网络技术使网络银行在发展储户方面更顺利。而网上银行也几乎不需要像线下银行那样为存款支付更高的利息。另一家咨询公司Sherief Meleis of Novantas说道。

Even so, the stand-alone online model has weaknesses. ING Direct has struggled to match its deposit-gathering prowess in lending, and has more money than the typical bank parked in low-yielding securities. Capital One likes to think it can do better with these assets.

但尽管这样，独立的网上银行模式还是有缺陷。ING Direct仍然在努力使其贷款能力方面能于其存款能力相匹配。而且相比传统银行，网络银行将更多的资金投在了低收益的债权上。Captial One认为其应该能更好的管理这些资产。

Furthermore, rumours of the death of the branch are exaggerated. True, paring the network is an obvious way to shore up profits at a time when it is hard to grow lending (witness the 16-year low in US banks’ loan-to-deposit ratios). Bank of America, for instance, is shutting 10% of its branches and slapping extra fees on those who use them instead of digital channels. But JPMorgan Chase plans to open 2,000 new outlets, even after absorbing Washington Mutual, and PNC is one of several large regional banks looking to pick up branches in states where they have no presence. “For an industry whose behaviour can be herd-like, there’s a surprising divergence of strategies right now,” says Mr Meleis.

同时深层次来说，关于分行模式将终结的说法有些言过其实了。的确，在提高贷款额度举步维艰的时期，减少分行的网点数显而易见是一种保持利润的方法。（美国银行业的存贷比降到了16年以来最低）比如美国银行（Bank of America）正在关闭它们的分行网点，关闭的数量占到其分行总数的10%，平且其会对于使用分行网点而不是数字渠道的客户收取额外的费用。但是摩根大通（JPMorgan Chase）却在收购了华盛顿互惠银行（Washington Mutual）的基础上还要计划新开2000家新的银行网点。同时在几家大型的区域银行业正也在寻求在其还未设立分行的州建立网点，PNC便是其中之一。“对于一个具有羊群效应的行业来说，目前出现的战略分歧还真让人吃惊。”Meleis先生说道。

Moreover, the branch’s role is evolving. Fewer customers use it for routine services, such as withdrawing or transferring funds, but many still value it for more complicated transactions (see chart). Even as BofA trims its network, it is hiring more branch specialists in mortgages, investments and small-business banking. It announced this week that it will double the number of financial advisers in its branches by the end of 2011. Many Americans who bank predominantly online or on their iPhone still consider the density of nearby branches an important factor when choosing their provider, according to surveys.

而且，分行的所扮演的角色也在变化发展着。诸如取款或者转账的日常业务，很少有客户再去分行办理了。但是，有许多的客户在办理更复杂的业务时仍然看重分行的作用。（见图表）。哪怕是美国银行（BofA）在消减了它的分行网点之后，仍然正在雇佣更多的抵押贷款，投资，以及小企业银行业务方面的专家。在本周，美国银行宣布它将在2011年底以前将其分行的金融顾问的数量翻倍。根据调查，许多主要通过网络或者iPhone存款的美国人在选择银行时仍然将其所拥有的分行覆盖率作为一个重要的考虑因素。

One option for the cost-conscious bank is to replace traditional branches with cheaper mini-branches, staffed by two or three employees trained to give advice and loans as well as man the counters. Huntington Bancshares is opening 100 such outlets in Giant Eagle grocery stores across Ohio. These cost 85-90% less than normal branches to build and 50% less to run, says Stephen Steinour, the bank’s boss. But Huntington is investing heavily in internet and mobile banking, too—and thus “moving towards channel agnosticism”.

对于注重成本控制的银行来说，用更廉价的小型分行替代传统的分行网点为是不是一种选择。这种小型分行配有2到3名雇员，经过培训之后可以提供建议和贷款服务以及负责银行柜台方面的业务。Huntington Bancshares将在横跨俄亥俄州的巨鹰杂货店（Giant Eagle grocery）开设100家这样的分行。“其开设成本比正规的分行少85-90%，运营成本低50%”Huntington Bancshares 的老板Stephen Steinour说道。但是Huntington也正在大力投资网上银行和移动银行，从而踏上了“渠道不可知”的发展之路。

本主题由蓝冰于 2011-7-7 22:52 解除高亮

收藏2 分享0 0 0