Provide tools and methodology guidance for technical precipitation for each delivery department, and provide technical training resources for each delivery department to achieve the goal of rapid replication of technical capabilities with shared resources.
Retail banking is not a short name for a business, but a general term for many businesses. It has a wide range of business areas, either traditional banking or new business.It can be either an asset business, a liability business, a middle business, an online banking business, and so on.
Liabilities: current deposit, time deposit, savings account, credit card deposit, financial bonds, large negotiable certificates of deposit.
Asset business: consumer credit (including car loans, housing loans, consumer durable loans, etc.), credit card financing or overdraft, etc.
Intermediary business: personal exchange settlement, personal trust, personal lease, personal safekeeping, personal note collection, agent, pay personal consulting and financing business, personal foreign exchange trading and foreign currency exchange business, etc.
Commercial Banks is to distinguish between central Banks and investment Banks, is a for-profit, raise funds in a variety of financial liabilities, a variety of financial assets as the object of management, has the credit creation function of financial institutions Initially using the concept of commercial Banks, because this kind of Banks in the early stage of development, are only short-term lending business loan time limit is generally not more than a year, lending object is commonly merchants and import and export traders People will be the main absorption of short-term deposits, issue short-term commercial loans as the basic business bank, known as the commercial bank
Private Banking is one of banking services, dedicated to wealthy people, provides rich personal property investment and management. To open this kind of Private banking services in larger international financial company or bank, It generally requires clients to have at least $1 million current assets. The main part of private banking services is asset management, investment planning, in accordance with the customer needs to provide special services. It can also be used by setting up offshore company family trusts and other ways for customers to save cost of tax and financial transactions. This kind service profit margin can be achieved by an annual rate of 15%, which is much higher than other financial services.
Global investment bank
Investment bank is a non-bank financial institution, the main financial intermediation in the capital market, the most typical investment institution, which mainly engaged in securities issuance, underwriting, trading, enterprises restructuring, merger and acquisition, risk investment and project financing business. It is generally believed that an investment bank is a kind of financial institution where provide the intermediary services such as issue bonds and stocks, and raise long-term capital in the capital market for enterprises, mainly engaged in securities underwriting, corporate merger & acquisition and assets reorganization of corporate finance, and fund management business, etc. Its basic characteristic is to integrate capital markets business. The securities investment analysis methods mainly include the following three types: basic analysis, technical analysis and evolutional analysis. The basic analysis is mainly used in the choice of investment subject matter, technical analysis and evolutional analysis are mainly used in the specific investment operation on the judgment of time and space, as an important supplement to improve effectiveness and reliability of investment analysis .