新西兰Banking assignment代写 银行业
不可否认，强大的力量正在改变零售银行业。这些变化是由于几个不同的因素，如改变客户的期望、改变技术能力、更强的监管要求和非传统参与者施加的激烈竞争。以前，该行业的变化相当缓慢，更多的是遵循一种进化的道路。为了取得成功，银行需要做好准备，确保自己转型为一家具有创新精神的机构，既盈利、灵活、以客户为中心，又符合监管要求。下一部分将讨论当前零售银行业的竞争格局。银行是一种特殊的机构，由于其在经济中的重要地位，以及该部门的破产可能对社会产生的巨大影响。然而，由于结构上的脆弱性，银行在本质上是不稳定的。现金储备相对于资产的低比率意味着，与负债相比，大多数银行的资产缺乏流动性。银行的杠杆率也很高，这意味着它们几乎没有固定资产，债务相对于股本的比率很高。在银行间的借贷网络中，银行之间有着紧密的联系。下一节将分析零售银行业目前面临的挑战。管理层级、部门层级、产品层级、IT系统层级、分销渠道层级不同，机构分割复杂。此外，零售银行还可能服务于多个有不同监管规定的市场，这进一步复杂化了它们的整体结构和运营，增加了它们目前面临的挑战。零售银行业面临的挑战主要可以分为五类，分别是(1)客户，(2)银行内部结构和业务模式，(3)产品简化和创新，(4)非传统参与者的竞争，(5)监管。所有这些挑战都是相互关联的，它们可能对零售银行未来的成功构成重大威胁。
It is undeniable that strong forces are changing the retail banking industry. These changes are due to several different elements such as shifting customers’ expectations, changing technological capabilities, stronger regulatory requirements and fierce competition imposed by non-traditional players. Previously, the industry was rather slow to change, followed more of an evolutionary path. In order to be successful, banks need to prepare themselves to ensure that they are transforming into an innovative institution that is profitable, agile, customer focused and regulatory compliant. The next section will discuss the current competitive landscape of the retail banking industry. Banks are special institutions due to the imperative position they hold in an economy and the huge impact failure of this sector may have on society. However, banks are inherently unstable due to their structural fragility. The low ratios of cash reserves to assets means that most of banks assets are illiquid in comparison to their liability. Banks are also highly leveraged meaning they have few fixed assets and have high levels of debt relative to their equity. Banks are heavily interconnected as borrowers and lenders in the interbank network. The next section will analyse the challenges that are currently facing the retail banking sector. segmented and complex institutions with different layers of management, departments, products, IT systems and distributional channels. Furthermore, retails banks might also serve multiple markets with different regulations and that further complicates their overall structure and operation and adds to the challenges that they are currently facing.The challenges facing the retail banking industry can be divided into five main categories, they are (i) customers, (ii) banks’ internal structures and business models, (iii) product simplification and innovation, (iv) competition posed by non-traditional players and (v) regulation. All these challenges are interconnected, and they can pose a significant threat on the future success of retail banks.
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