经理人2012年第10月刊 Managers in 2012 the first 10 monthly

　　金融危机爆发至今，世界经济格局大变，金融价值被重新定义，金融活力需要再次激活。中国金融改革如箭在弦，中国被公认为下一个金融活力区。但是，金融活力和动力从何而来？必定是产品，是服务，是为客户创造价值，而这一切的背后，唯一的核心，都是创新力。

The financial crisis so far,The world economy big change pattern,Financial value be redefined,Financial vitality need to activate.China's financial reform embargo against,China is recognized as the next financial vitality area.but,Financial vitality and power come from?Will surely is the product,Is service,Is to create value for customers,But behind all of these,The core of the only,Is creativity.

　　2012，谁是中国最具创新力金融服务品牌？

2012,Who is China's most innovative financial services brand?

　　《经理人》从5月开始采集相关数据，进行模型分析，综合专家评审及网络评选，推出国内首个以“创新力”为核心评价指标，以创造客户价值为导向的金融服务品牌榜单。

[managers]From may start collecting relevant data,Model analysis,Comprehensive expert review and network selection,Introduced the domestic first to"creativity"As the core evaluation index,In order to create customer value oriented financial services brand list.

　　

　　

　　谁是2012最具创新力金融服务品牌？

Who is the most innovative 2012 financial services brand?

　　招商银行金葵花、渣打银行现贷派、平安车险获前三强

China merchants bank golden sunflower/Standard chartered bank is now credit pie/The big three auto insurance peace before

　　■ 文 / 本刊编辑部

S text/this newspaper editorial board

　　历时5个月调研，由《经理人》、《公司金融》联合发起的“2012最具创新力金融服务品牌”隆重揭晓。此榜单，是国内首个以“创新力”为核心评价指标，以创造客户价值为导向的金融服务品牌评选，旨在促进和帮助金融企业创新力的再提升。

Lasted five months investigation,by[managers]/[The company financial]Jointly sponsored"2012 the most innovative financial services brand"ceremony.This list,Is domestic first to"creativity"As the core evaluation index,In order to create customer value oriented financial services brand selection,Aims to promote and help financial innovation ability to ascend.

　　4年前爆发金融危机至今，世界经济格局大变，危机余波未消，金融价值被重新定义，金融活力需要再次激活。中国金融改革如箭在弦，中国被公认为下一个金融活力区。但是，金融活力和动力从何而来？必定是产品，是服务，是为客户创造价值，而这一切的背后，唯一的核心，都是创新力。

Four years ago today outbreak of financial crisis,The world economy big change pattern,Crisis aftermath not away,Financial value be redefined,Financial vitality need to activate.China's financial reform embargo against,China is recognized as the next financial vitality area.but,Financial vitality and power come from?Will surely is the product,Is service,Is to create value for customers,But behind all of these,The core of the only,Is creativity.

　　本年度榜单，调研覆盖银行、保险、证券、基金、信托等领域100多个金融产品，经过极严格的初选、复审、网络投票、专家评分、数据分析、桌面研究，最终产生“2012最具创新力金融服务品牌”20强，同时还产生“最具创新力创投机构”、“最具创新力供应链金融产品”等子榜单。不仅谁是本年度最具创新力金融服务品牌值得关注，它们背后的创新实践、反映出的创新趋势，更具借鉴价值。

This year's list,Research cover bank/insurance/securities/fund/Trust, etc more than 100 financial products,After extremely strict primaries/review/Network voting/Expert grading/Data analysis/Desktop research,Finally has the"2012 the most innovative financial services brand"Top 20,At the same time also produce"The most innovative vc institutions"/"The most innovative financial products supply chain"DengZi list.Not only who is this year's most innovative financial services brand is a concern,The innovation practice behind them/Reflects the trend of innovation,More reference value.

　　银行为创新活力区

Bank as the innovation vitality area

　　本年度前三甲，分别被招商银行金葵花、渣打银行现贷派、平安车险摘得，银行业占两席。入榜前20强中，有11家银行企业，占55%，覆盖中外资银行，囊括国有、股份制、城市商业银行等，保险入选3家企业，占15%。它们的创新，体现在各个层面和细节中。

Before this year 3 armour,Were merchants bank golden sunflower/Standard chartered bank is now credit pie/Peace auto insurance won,Banking accounted for two seats.Into the list's top 20 in the strong,11 Banks enterprise,55%,Cover overseas bank,Include state-owned/joint-stock/City commercial bank, etc,Insurance in 3 enterprises,15%.Their innovation,Reflected in all levels and details.

　　招商银行作为国内银行以创新为驱动力快速发展的代表，过去10年中，其金葵花不论产品丰富度、持续创新能力，还是服务、营销革新，都是国内银行高端零售业务的标杆。我们从招商银行2012年上半年业绩报告中看到，截至6月末，招行金葵花及以上客户（指月日均总资产大于50万元人民币的客户）数量为87.10万户，较年初增长11.21%，这些高价值客户，有巨大商业挖掘潜力，更是成就招商银行的中坚力量。

China merchants bank as a domestic bank to innovation as the driving force of the fast development of representative,The past 10 years,Its golden sunflower whether products richness/Continuous innovation ability,Or service/Marketing innovation,Is domestic bank high-end retail business benchmarking.We are from China merchants bank in the first half of 2012 performance report see,By the end of June,China merchants bank golden sunflower and above the customer(Refers to total assets on average more than 500000 yuan RMB customers)Quantity for 871000 households,At the beginning of a growth of 11.21%,These high value customer,A great commercial potential mining,Achievement is the backbone of the China merchants bank.

　　现贷派是渣打银行在传统对公和个人储蓄业务之外的一个巨大突破，首开无抵押贷款先河，为很多有偿还能力但急缺大笔资金的年轻人解决了资金难题，自2007年推出以来，客户年增长率一直保持在两位数（详见案例报道，《现贷派：瞄准“缺钱经济”》）。

Now credit pie is standard chartered bank in traditional tests and personal savings business outside of a great breakthrough,The first to open the first unsecured loans,For many have repayment ability but very short of a large sum of money to solve the problem of young people money,Since the 2007 years since the launch,Customer annual growth rate has remained in the double digits(See case report,[Now credit sent:aiming"Lack of money economy"]).

　　名列第三的平安车险来自保险业，是入选前十的唯一一家保险企业。它在2009年推出了快易免服务，过去3年持续升级，今年4月再度提高服务标准，在业内首次改变传统理赔流程，实行“先赔付，再修车”，承诺从报案到赔款全流程3个工作日完成，7*24小时百公里免费道路救援等免费服务，将被动补偿变为主动服务，用户满意度领先同行。从今年4月到7月底，完成时效承诺案件10.4万笔，承诺达成率高达94.45%，从报案到支付成功，案均1.79天，最快理赔记录耗时仅有11分18秒。

Ranked third peace auto insurance from the insurance industry,Is selected the top 10 only an insurance enterprise.It in 2009 launched a fast easy free service,The past three years continuous upgrade,In April this year will again raise service standards,For the first time in the change tradition claims process,implement"To compensate,To repair",Commitment from the report a case to the security authorities to indemnity full process completed three working days,7 * 24 hours free km road rescue and free services,Will be passive compensation into active service,The user satisfaction the leading colleague.From April this year until the end of July,Complete aging promise case 104000 pen,Commitment to achieve rate reaches as high as 94.45%,From the report a case to the security authorities to pay for success,Case were 1.79 days,The fastest time claim record only 11 points 18 seconds.

　　本年度前三甲，全都集中在个人业务层面，而近两年的一大热点，是关于小微企业的贷款和闲置资金理财业务，入围前十有5个品牌，都来自此领域，分别是位列第四的民生银行财富罗盘、第五的上海浦东发展银行的企业现金管理解决方案，以及第七的兴业银行金立方、第八的龙江银行资智通、第十的北京银行小巨人。它们都是此领域的佼佼者，相互差距较小。

Before this year 3 armour,Focused on personal business level,Nearly two years and one of the hot spots,Is about a small small enterprise loan and idle fund financial management business,The rankings ten has five brand,From the field,Were ranked fourth minsheng bank fortune compass/The fifth of the Shanghai pudong development bank's enterprise cash management solutions,And the seventh societe generale JinLiFang/Eighth longjiang bank ZhiTong information/Tenth Beijing bank little giant.They are the leader in,Mutual the difference is smaller.

　　浦发银行2005年推出公司理财品牌浦发创富，旗下的浦发企业现金管理解决方案，帮助很多企业解决了闲置资金问题，规模从几百万到几亿不等。民生银行每年也将40%以上的信贷额度投向小微企业，截至今年8月末，民生已拥有74万小微客户，累积发放小微贷款6000亿元。

Shanghai pudong development bank introduced in 2005 corporate finance brand pudong development capital investment,Its pudong development enterprise cash management solutions,Help a lot of enterprises solve the idle money problems,Scale from several million to hundreds of millions of inequality.Minsheng bank every year will also be more than 40% of the lines of credit to small micro enterprise,By the late August this year,The people's livelihood has 740000 small micro customer,Cumulative release small micro loans 600 billion yuan.

　　基金证券创新力待突破

Fund securities innovation to breakthrough

　　受政策和监管束缚，特别金融危机后，加大了风险管理，基金业鲜有创新产品出现，创新压力小，进而创新力不足，是国内基金业面临的一大问题。本年度榜单，仅有两家基金公司入围前20强，分别是排名第九位的华安基金财富e家和第十六位的汇添富基金添富牛。

By policy and regulatory bound,Especially after the financial crisis,Increased the risk management,Few funds innovative products appear,Innovation pressure small,And the lack of creativity,Is the domestic funds face a big problem.This year's list,Only two fund company top 20 rankings,Were ranked ninth HuaAn fund of wealth e home and the remittance number 16 add rich fund add rich cow.

　　证券业也面临同样的创新困境，在产品和满足客户需求方面，差异化、个性化的选择很少，还靠证券经纪、承销保荐等传统业务，盈利模式单一。在市场低迷的时候，这种靠天吃饭的行业窘境立刻凸显。2011年是自2006年以来最差的一年，109家证券公司，全行业盈利394亿元，创了新低，整体收益率在下降。本年度，有两家证券公司入围，分别是位列第十一的国泰君安易阳指和第二十的信达证券牵牛花。

The innovation of the securities industry facing a similar dilemma,In the product and meet customer needs,differentiation/Personalized few other options,Depend on securities brokerage/The underwriting sponsor and traditional business,Profit model single.When the market downturn,This rely on the dilemma of the industry to highlight the immediately.2011 was the worst since 2006 a year,109 securities companies,The industry a profit of 39.4 billion yuan,And the low,The overall rate of return on the decline.This year,There are two at a securities company,Were ranked eleventh cathay jun AnYi Yang refers to and twentieth cinda securities morning glory.

　　在一个普遍缺乏创新的领域，保守算是一种自我保护，但只要有人敢于迈出第一步，就会给客户带来与众不同的价值。国泰君安易阳指手机证券软件，满足了智能手机和移动互联网时代的客户新需求，内含丰富的功能，体验流畅，升级速度快。

In a general lack of innovation field,A conservative is a kind of self protection,But as long as anyone dare to take the first step,Will give customers bring distinctive value.Cathay Pacific jun AnYi Yang refers to the mobile phone negotiable securities software,Meet the intelligent mobile phone and mobile Internet era of the new requirements of customers,Contains rich function,Experience fluent,Upgrade speed.

　　另外还值得关注的是，位列第十四的汇付天下天天盈，是入榜的唯一一家第三方支付机构。截止到今年9月，专注基金的天天盈用户超过150万，支持48家基金公司、32家银行和900多只基金的申购，只要持银行卡，可随时随地购买任意基金公司的直销产品，打破了基金的传统渠道和服务模式。

Also notable is,In the fourteenth remittance all the day,The list is only a third party payment mechanism.By the end of September this year,Focus funds the every day more than 1.5 million users,Support 48 fund company/And Banks and more than 900 fund subscription,As long as the bank card,May at any time anywhere purchase any fund company's direct selling products,To break the fund the traditional channel and service mode.

　　未来，在制度层面会给基金和证券松绑，给创新制造更宽松的环境，而基金和证券公司在产品、机制、服务等方面的创新能力如何，将是考验他们能否跑赢竞争的最关键要素。

The future,In system level will give funds and securities relax,Give the innovation manufacture more relaxed environment,And funds and securities companies in the product/mechanism/Services innovation ability,The test will be whether they will run the key factor to win the competition.

　　金融创新突破的三大方向

Financial innovation breakthrough the three directions

　　未来的中国金融业，要做很多方向的变革，也可称之为新金融，其中有几个明显特征：全球化资源配置和竞争，高度电子化、IT化，完全以客户价值为导向……由此，我们也总结出未来金融创新的几个重要方向：

The future of China's financial industry,To do a lot of the direction of change,Also can call it new financial,There are several obvious characteristics:Through globalization of resource distribution and competition,Height electronic/IT turn,Complete customer value oriented...this,We also sums up the future financial innovation several important direction:

　　● 高端高价值客户争夺

- high-end high value for customers

　　未来银行业，“二八定律”效应将会更加显著，所有银行都在此着力创新。渣打银行推出无抵押贷款产品现贷派，创新的背后其实有着非常长远的目标，渣打银行零售银行业务部董事总经理黄爽告诉《经理人》，现贷派是在培育自己的利基市场，培养一批有志在事业上奋斗、希望改变生活的年轻人，在他们最困难的时候，渣打向其提供个人金融帮助，五六年之后，他们事业有成，很可能成为渣打的忠实客户。

The future banking,"16 law"Effect will be even more significant,All Banks in this focus on innovation.Standard chartered bank launched unsecured loan products are credit pie,Innovative behind actually has a very long term goal,Standard chartered bank retail banking department director general manager HuangShuang tell[managers],Now credit pie is in cultivating their own niche market,The training of a group of interested in the career struggle/Want to change life of young people,In their most difficult time,Standard chartered to supply the personal financial help,Five or six years after,Their success,May well become a standard chartered loyalty.

　　近两年，招商银行在高价值客户的拓展上非常得力，上半年，金葵花及以上客户数（指月日均总资产在50万元以上的零售客户数），较年初增长11.21%。私人银行客户数较年初增长11.57%，客户资产也在快速增长。通过为高端客户提供理财服务，代理庞大的资产，私人银行越来越像一个投资公司。

Nearly two years,China merchants bank in high value customer development very capable,In the first half of,Golden sunflower and above the customer number(Refers to total assets on average in 500000 yuan of above retail customer number),At the beginning of a growth of 11.21%.Private banking customer number is increased by 11.57% at the beginning,Customer assets is growing rapidly.Through the for high-end customers to provide financial services,Agency huge assets,Private Banks become more and more like a investment company.

　　● 小微企业金融产品创新

Had the little micro enterprise financial product innovation

　　所有金融企业都已看到，小微企业市场空间非常巨大，是个蓝海市场。从本年度主榜单前十名的分布，能明显看到这个趋势。但是，想要分到这个领域的蛋糕，必须做出大胆的创新。小微企业本身没有多少资产，不能按照大企业的标准来制定，需要更多创新做法。民生银行财富罗盘是一次创新尝试，也逐渐成为此领域的标杆。招商银行在零售业务上，是领跑者，但在小微企业市场，还是个追赶者。招商银行提出的“二次转型”战略中，最重要内容就是大力发展中小企业金融产品。这反映的就是一个重要的创新趋势。

All financial enterprises have to see,Small micro enterprise market space is very great,Is a blue ocean market.From this year's main list the distribution of the top ten,Can obviously see this trend.but,Want to be sent to the field of the cake,Must make the bold innovation.Small micro enterprise itself not many assets,Not in accordance with the standard of large enterprises to make,Need more innovation practice.Minsheng bank fortune compass is an innovative attempt,Also gradually become the field of benchmarking.China merchants bank in the retail business,Is leading,But in small micro enterprise market,Still a chaser.China merchants bank proposed"Secondary transformation"strategy,The most important content is to develop small and medium-sized enterprise financial products.This reflection is an important innovation trend.

　　● 金融服务方式智能化

- financial service mode intelligent

　　智能手机、移动互联网、电子商务的高速发展，手机网银、手机证券、手机支付等大面积普及，让金融渗透到生活的很多细节，正在深刻改变人们接受金融服务的渠道和模式。这个趋势，给金融服务带来巨大的创新空间。

Intelligent mobile phone/Mobile Internet/The rapid development of electronic commerce,Mobile net/Mobile phone securities/Mobile payment large area such as popularization,Let financial penetration to many of the details of the life,Are profound change people accept financial service channels and mode.This trend,To bring huge financial service innovation space.

　　从金融机构来说，此领域的创新，将对提升效率、降低中间成本、提升客户满意度，都有非常大的作用。在我们的调研中，很多用户对金融机构是否能提供体验流畅的手机终端、网络化服务等非常在意，可以假想，如果一家银行，无法在网银上完成信用卡还款，手机银行徒有虚名，这家银行在用户心目中的地位和品牌形象，会是什么样？

For from financial institutions,The innovation of this field,To improve efficiency/Reduce intermediate cost/Enhance customer satisfaction,All have very big effect.In our survey,Many users on whether financial institutions can provide experience and fluent mobile terminal/Network service very much,Can imaginary,If a bank,Unable to complete the credit card payment on the net,Mobile phone bank nominal,The bank in the user idea of position and brand image,Will be what kind?

　　附文：

provisos:

　　“2012最具创新力金融服务品牌”评选说明

"2012 the most innovative financial services brand"Selection explain

　　“2012最具创新力金融服务品牌”评选活动，于2012年5月1日正式启动，依据连续三年业绩状况、品牌美誉度、消费者评价等，初选130个金融服务品牌，经过复评筛选，确定84个入围主榜单候选名单，其中，银行占55%，保险占15%，证券占10%，基金占10%，信托及其他占10%。按照创新力5大指标：产品创新、服务创新、营销创新、管理创新、价值创新，采集相关数据，并进行模型分析，最后综合专家评审、经理人网及新浪网投票结果，编制出20强榜单。

"2012 the most innovative financial services brand"Selection activities,On May 1, 2012 formally initiated,According to the continuous three years performance/Brand reputation/Consumers' evaluation of,Primary 130 financial services brand,After review screening,Determine the 84 finalists main list candidate list,the,Bank accounts for 55%,Insurance accounts for 15%,Securities accounts for 10%,Funds accounted for 10%,Trust and other 10%.According to the innovation five indexes:Product innovation/Service innovation/Marketing innovation/Management innovation/Value innovation,Collecting relevant data,And model analysis,Finally comprehensive expert evaluation/The manager monitors and sina the voting results,Develop the top 20 list.