Behind the financial figures are the formulation and implementation of strategies and the matching of a series of organizational resources. (1) There are differences in operation. According to the financial report disclosure in 2021, the roe of large state-owned banks and joint-stock banks is generally about 10%, while high-quality institutions can increase Tus-Design Group Co.Ltd(300500) bp based on the average, that is, to reach the level of 13-15%, reflecting the difference in operating capacity. (2) Differences can be attributed. This series of reports tries to open up the business differences behind the financial data. Based on the adjustment of organizational structure, this paper discusses the logic behind it from three key words: business integration, quick response and strengthening cooperation.
Over the past five years of deleveraging, commercial banks have strategically adjusted their demand, and institutions that fit the direction of demand expansion are more likely to achieve a high level of roe. (1) The transformation of financing structure is more urgent, which requires the provision of more financing products combined with stocks and bonds and capital market development dividends; (2) The improvement of digital level is stronger, which requires the use of online means to achieve more customer touch, and the use of digital technology to improve risk control and investment research experience; (3) Customer service needs more yuan, which requires more customized and exclusive solutions for customers with high gross profit; (4) The financial market fluctuates more violently, which requires that while optimizing and enriching the asset allocation system, we should absorb long-term funds, prolong the duration of liabilities and provide customers with long-term investment advisory company.
Happy families are all alike. The matching organizational structure is the guarantee for the implementation of strategy, in which integration, agility and coordination reflect the trend of organizational structure adjustment.
Integration: insist on concentrating resources in the most valuable areas and help key departments continue to grow. This is reflected not only in the Wuxi Online Offline Communication Information Technology Co.Ltd(300959) channel integration of retail wealth management (specific implementation: information reaches the grass-roots level in time under online system optimization, and the online operation team is transferred to the product department), but also in the integration of corporate finance at the product end (specific implementation: optimize the product portfolio for specific industries, such as Bill pool, M & a scheme, employee incentive, investment and loan linkage, etc.), Inter bank finance is opened up in the field of customer service (specific implementation: open up the primary and secondary market service team, and the inter-bank salesperson knows both stocks and debts), etc.
Agility: gathering is a fire, scattering is full of stars. In order to optimize resource input, the front office department adopts a more responsive operation organization mode, such as setting up more agile teams to deal with the new layout of verticality and multiple changes. Agile group is a highly adaptive organization form. The group system does not have standardized work and regulations. It can be changed quickly according to needs through a loose structure.
Collaboration: the operation of g-end, b-end and C-end is no longer a single fight, but needs to form a joint force in the same scene. Considering that customers often rely on non-financial scenarios, the transaction volume promotes the flow of capital, which will eventually be transformed into more financial income. This puts forward higher requirements for the collaborative linkage between banking departments and different financial licenses of banks and shareholders. At present, leading institutions provide "one institution" exclusive services and product portfolio through collaborative meetings, cross sales, head office level strategic customer alliance and other mechanisms.
