| Intensive, Intelligent, Leap-forward Development of Retail Banking |
| 集约化、智能化、跨越式：发展零售银行之路 |
In 2017 McKinsey released the report on Intensive, Intelligent, Leap-forward Development of Retail Banking. "The retailer will get the future.” Commercial banks in developed countries and regions account for more than 50% of retail business, and retail business has become the main growth point of China's commercial banks' profits.
2017年麦肯锡发布了《集约化、智能化、跨越式发展零售银行之路》报告。报告指出，面对利率市场化和互联网金融崛起的双重冲击，中国银行业的资金成本水涨船高，利差持续收窄，传统业务也不断受到蚕食。而业界已有共识，“得零售者得未来”。发达国家和地区商业银行的零售业务比重高达50%以上，零售业务已成为中国商业银行利润的主要增长点。 |
| Early Confirmed Speaker 会议确认演讲嘉宾 |
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Nicole Zhou is a Partner at McKinsey & Company, and also a core leader of McKinsey Greater China Financial Institutions Group Practice. She has advised many domestic and international banks on their growth strategy and transformation journeys. Her areas of expertise include internet and digital innovation, ecosystem strategy, digital banking, corporate and investment banking, retail and private banking, asset management, etc. As the main author, Nicole has a series of banking white paper, including: The Phoenix Rises: Remaking the Bank for An Ecosystem World—McKinsey Global Banking Annual Review 2017; McKinsey China Banking Quarterly; Intensive, Intelligent, Leap-forward Development of Retail Banking；Subversion and Linking - Decryption of Internet Finance Innovation in China, etc.
周宁人女士是麦肯锡上海分公司的全球董事合伙人，是麦肯锡大中华区金融机构行业组的主要领导之一。周女士在公司银行、零售银行及财富管理、私人银行、数字化金融创新、组织及绩效管理、人力资本等领域具备丰富的经验。此外，周女士著有银行业白皮书《凤凰涅槃：重塑全球银行业，拥抱生态圈世界—麦肯锡全球银行业报告（2017）、《麦肯锡中国银行业CEO季刊》、《集约化、智能化、跨越式发展零售银行之路》《颠覆与链接—解密中国互联网金融创新》等等。
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Since 2009, the income of retail banks has increased by 23% per year. It is expected that by 2020, the overall scale will reach 3 trillion and 200 billion yuan, and the loan assets will reach 32 trillion yuan, the world's second largest retail bank second only to the United States.
自2009年起，零售银行收入以每年23%的速度递增，预计到2020年整体规模将达到3.2万亿元人民币，贷款资产规模将达到32万亿元人民币，成为仅次于美国的全球第二大零售银行市场。 从长远来说，大力发展零售银行业务已成为银行业对未来竞争环境下战略选择的共识。近年来，新常态下的商业银行零售业务已经发挥了稳定全行业务的根基作用，成为商业银行发展的“压仓石”和“稳定器”。 |
McKinsey: retail banks should seize the trend and opportunities and create new business models:
麦肯锡提出，零售银行应把握新时代的趋势与机遇，打造新的业务模式：
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Scenario based batch acquisition mode helps retail banks achieve scale growth of customers.
场景化批量获客模式帮助零售银行实现客户的规模化增长。
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Intelligent and refined big data technology brings new customers deep operation and risk control.
智能化、精细化的大数据技术带来新的客户深度经营和风险控制。
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Digital and financial technology create a new customer experience.
数字化和金融科技打造全新客户体验。
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The new electronic account system helps banks get rid of network restrictions and promote digital and full channel strategy.
新电子账户体系助力银行摆脱网点限制，推动数字化和全渠道战略。
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The report holds that the current intensification, intelligence and digitalization have become the new trend of retail banks. The domestic banking industry needs to systematically think about how to promote the business transformation and service innovation of the retail banking business, seize the opportunity of the market, excavate the potential of the retail business, improve the profitability, and achieve a better and faster development.
报告认为，当前集约化、智能化、数字化成为零售银行新趋势，国内银行业需要系统思考如何推动零售银行业务的经营转型和服务创新，把握市场契机，挖掘零售业务潜力，提高盈利能力，实现更好更快发展。 |
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