產(chǎn)品經(jīng)濟(jì)分析Economics by product-中麥肯錫-中信實(shí)業(yè)銀行銷(xiāo)售體系咨詢(xún)

StaffAllocation,,,,,,,,

,,#oftotalstaff,,,,,"6,664",

,,#ofretailstaff,,,,,"1,481",

,,,%oftotal,,,%,22%,

,,,#ofservicingstaff,,,,"1,393",

,,,,Percentageofretail,,%,94%,

,,,#ofloanoriginationstaff,,,,89,

,,,,#ofretailmanagementstaff,,,177,

,,,,Percentageofloanrelated,,%,50%,

,,,,,,,,,

Yr1999CostAnalysis,,,,,,,,

,,,,,,,,,

,TotalSG&A,,,,,RMB,"1,542,916,547",

,,Operatingexpense,,,,RMB,"1,060,101,949",

,,Personnelexpense,,,,RMB,"482,814,598",

,-BadDebtLoss,,,,,RMB,"308,583,309",

,,PercentageoftotalSG&A,,,,%,20%,

,Subtotal,,,,,RMB,"1,234,333,238",

,,,,,,,,,

,RetailSG&A,,,,,RMB,"274,316,855",

,,Perretailstaff,,,,RMB,"185,224",

,,,,,,,,,

CostForecast,,,,,,,,

,,,,,,,,,

RetailServicingCost,,,,,,,,

,,Perproduct,,,,RMB,193,

,,#ofproductspercustomer,,,,,1.2,

,,#ofservicingcustomersperstaff*,,,,,800,

,,,Annualservicingtimepercustomer,,,Personday,0.3,

,,"*Benchmark:Koreanbank850,HKbank655,…",,,,,,

,,As%ofretailbalance,,,,%,0.00%,

,,Totalretailbalance(deposit&loan),,,,RMB,"13,000,000,000",

,,,,,,,,,

,,,,,,,,,

ConsumerLoanOriginationCost,,,,,,,,

,#ofconsumerloanorginationperpeople,,,,,,109,

,,Total#ofpeopleinvolved-BJbranch,,,,,5.5,

,,Total#ofconsumerloanoriginations-BJbranch,,,,,600,

,Originationcostperloan,,,,,RMB,"1,698",

,,,,,,,,,

,Autoloanoriginationcostperloan,,,,,RMB,"1,698",

,,As%ofAutoLoanBalance,,,,%,2.0%,

,,,Averageautoloanbalance,,,RMB,"86,000",

MortgageOriginationCost,,,,,,,,

,#ofmortgageorginationperpeople,,,,,,64,

,,Total#ofpeopleinvolved-BJbranch,,,,,7.5,

,,Total#ofconsumerloanoriginations-BJbranch,,,,,480,

,Originationcostperloan,,,,,RMB,"2,894",1.70

,,,,,,,,,

,Mortgageoriginationcostperloan,,,,,RMB,"2,894.13",