Sales performance management of Commercial banking P-loan sales _ A Bank as an example

• Main Authors: Shih-Chin Kao, 高世錦
• Other Authors: Cou-chen Wu
• Format: Others
• Language: zh-TW
• Published: 2009
• Online Access: http://ndltd.ncl.edu.tw/handle/20340892549011706241

碩士 === 國立臺灣科技大學 === 企業管理系 === 98 === Traditional banking business almost all of the mortgage lies in the hands of the old governmental banks and, with branch channel advantages, low-cost financing for more than two-thirds of the mortgage market share, new banks could hardly intervene and acquire larger portion of the mortgage market share. However, because of rising incomes, changing of lifestyle, increasing purchase income ...etc, while people in pursuit of convenience and fashion these changing elements also provides possibilities for other consumer financial products to rise. Personal loan is one of the many financial products that provide a larger profit spread. This is also the cash cow product for the new and foreign banks to generate profits for the past few years.. However, due to the rigorous competition, the banks have a common mentality to cut or reduce interest rate and handling fees approach to attract customers while trying to get rid of interbank competition. This leads to long-term consequences of having all the banks in the credit market to decreased gross profit. Also, as soon as one bank encounters the "credit card crisis" or "sub-prime mortgage crisis" it will have to announce loses and take it as a sunk costs.