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1、MARCH2011financialservicespracticeChina’schangingwholesalelandscapeTherightstrategyiskeytofindingsuccessinthisgrowingmarket.YiWang,MainlandChina’swholesalebankingmarketisInthefuture,allbanksmaythereforehavetoJunXu,andprojectedtogrowatmorethan10percentpermoveabito
2、utsidetheircomfortzoneandtargetAnnaYipannumoverthenextfiveyears.Atthatpace,itisfiveattractiveopportunities:anewageofsettoovertakeJapan’sasthelargestinAsiainfrastructurefinancing,untappedpotentialinby2015.Nationaldevelopmentstrategies,suchrelationshipbanking,bette
3、rintermediationasurbanizationandindustrialization,willofcapitalflows,theneglectedsmall-businesscontinuetodrivedouble-digitannualincreasesinsector,andthemodernizationofChina’sthesector’sassetsandrevenues.Thissaid,thecapitalmarkets.landscapeischanging,andbothlocalb
4、anksandtheirforeign-ownedcounterpartsfaceamoreAccesstotheseopportunitiesisunequal,however,challengingcompetitiveandregulatoryenviron-andwilldictatedifferentstrategies.Localment.Loangrowthisslowing,marginsonbankswillneedtomovebeyondtheirtraditionalcorporatelending
5、areunderpressure,non-corporatedepositandloanbusinessintoperformingloans(NPLs)areontherise,andnewhigher-marginproducts,growtheirfeebusiness,capitalisneededtomeettoughercapital-andcontrolcostsevenmoretightly.Foreignadequacyrequirements.banksriskbeingmarginalizedift
6、heydonotfindChina’schangingwholesalelandscape2sustainablesourcesofnewgrowth.Whilesomeretailoperations,manyarealreadygeneratingwillchoosetoremainfocusedonhigh-marginanddouble-digitreturnsonequityontheirwhole-cross-borderbusinesses,otherswillgodeepersaleactivities.
7、intothelocalmarket.Withtherightstrategy,bothsortsofbankcanfindsuccessinChina’sSeveralimportanttrendsarenowreshapingthisburgeoningcorporateandinvestment-bankingbenignlandscape:(CIB)market.•Thepaceofloangrowthisslowing.CorporateTheoutlookforCIBlendinggrowthaveraged
8、20percentperLocalandforeignplayershaveadoptedradicallyannumfrom2006to2009,culminatingindifferentstrategiesfortheirwholesaleastimulus-induced$1.5trillionlending
