ib department
2017-02-21 17:09:42 0 举报仅支持查看
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IB部门是一所教育机构中负责管理和监督国际文凭课程（International Baccalaureate Diploma Programme）的部门。该部门致力于确保学生能够获得高质量的教育，并为他们的未来做好准备。IB课程是一种综合性的、国际化的教育体系，旨在培养学生的智力、情感、个人和社会技能。IB部门的工作包括制定课程计划、监督教学质量、组织考试和评估学生的学习成果等。此外，IB部门还与其他部门合作，为学生提供各种支持服务，如学术指导、职业规划和心理咨询等。总之，IB部门在帮助学生实现全面发展方面发挥着重要作用。
模版推荐
作者其他创作
大纲/内容
现状
业务
上市公司
股票质押回购
管理办法/标准
全部在三年以内
定增
定增和并购暂时没有相关管理办法，正在起草
上市公司并购
债券：很想做，没有承销资格，去年申请了但是没有拿到资格，还在申请
想过跟券商合作，但是性价比不高，效益不好，周期长
规模？限额团队
有在争取，参加承销团（金融市场部）；债券交易量，去年1万多亿
原来只能做福建省，从去年6月以后开始做全国，都是直营做，福州厦门有两个金融同业中心，也会有业务上报；分支机构推动，一般不让直营直接做，但现在推动不易，因为考核指标，这类业务没有优先级，短时间内扩大省内规模比较难，所以才争取做全国
去年业务量：18亿左右，主要是质押式回购；第四季度开始推，因为之前利润不是很高，以前没有特别侧重。（之前城投类利润高）去年年中城投利润下降，转向上市公司
省内居多，省内70%
单笔5000万-4亿不等
折扣率
主板上限6折
中小板上限五折
创业板上限三折，但是省外出于风险考虑不做创业板
政府城投
基础设施产业基金
PPP
探索投贷联动的模式
传统城投类非标业务
目前都是福建省内
地方政府没有什么支援，经常要投标
现在投资工具多了
这一块市场
比较看好，会有增量
避险，相对稳定且成本较低，到处压价，资金充裕
成本依然在下降：全行的负债成本上升（今年），但资产价格反应滞后
资金来源：去年要求达到一定规模，外部成本可能更低，但是没有市场化；不够反映市场变化
现在有瓶颈
FTP：一年一定，4.9%左右，计财、预算定的，没怎么考虑市场利率
其他模式
PPP，产业基金：1.周期都很长，交易结构比较复杂
资产的期限结构，5-10年，3-5年，还有一部分3年一下，保证长期收益
希望做资产证券化：做完一批资产就证券化掉，风险可控的情况下引入一些杠杆，提高资金利润率，受自身资本限制较小
规模：三四十个亿，大部分是城投，期限大多数三年以内
牌照
组织架构
挂在公司金融部下，二级中心
联动
考核
考核指标不在公司部里面
也不想让公司部给分支行下任务
比较传统
做过培训但不太好沟通
公司部约，挖掘客户引荐，投行部自己谈
公司部会推荐一些项目客户
今年的考核指标还没定，去年4，5月才定，很被动
7个人2个组
上市公司，资本市场业务
新的融资工具
推动公司业务，银企合作业务，产业基金，城投类融资等
与传统信贷区别较大的融资手段
五个经办，一个中后台，四个业务（两个资本市场两个推动公司，会划分区域分工，再把指标落实到个人）
定位
主要推动福建省内分支机构的投行业务
自己也有直营功能
但是两年以来定位还不是特别清晰，战略规划很有必要，全行和部门的定位。在公司地下，被定位为利润部门。但是实际运营中发现行里也会让做规模业务，定位上有冲突。
渠道
分支机构：有推荐动力，但客户经理不了解产品，更多的还是做传统信贷
金融同业中心比较专业
对接资管、金融市场、投行三个条线
隶属于分行
放一些专业团队？但现在还是二级部门，架构上受到限制
架构有些混乱，还要进一步梳理
未来
目标
机遇挑战
上市公司
挖据潜力大，对公司业务的推动大
国家支持资本市场，风险相对低，挖掘空间大
鼓励调整信贷主导的业务模式
不介入的行业：两高一剩；房地产也比较谨慎，没什么重点关注的
个人
高端个人的股票质押回购，市场容量大，因为风险低，现在很多银行在做，成本上比券商有优势，客户来源多
没有刻意，主要看业务机会，大公司的股东其实就是个人，也可以做
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<!--StartFragment--><span style="font-size:12.0pt;font-family:宋体;mso-ascii-font-family:
Arial;mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:minor-fareast;
mso-hansi-font-family:Arial;mso-hansi-theme-font:minor-latin;mso-bidi-font-family:
"Times New Roman";mso-bidi-theme-font:minor-bidi;mso-font-kerning:1.0pt;
mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;mso-bidi-language:AR-SA">产品专家的角色（个人、公司）</span><span lang="EN-US" style="font-size:12.0pt;font-family:Arial;mso-ascii-theme-font:minor-latin;
mso-fareast-font-family:宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:
minor-latin;mso-bidi-font-family:"Times New Roman";mso-bidi-theme-font:minor-bidi;
mso-font-kerning:1.0pt;mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;
mso-bidi-language:AR-SA">---</span><span style="font-size:12.0pt;font-family:
宋体;mso-ascii-font-family:Arial;mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:
minor-fareast;mso-hansi-font-family:Arial;mso-hansi-theme-font:minor-latin;
mso-bidi-font-family:"Times New Roman";mso-bidi-theme-font:minor-bidi;
mso-font-kerning:1.0pt;mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;
mso-bidi-language:AR-SA">提供更专业的解决方案</span><span lang="EN-US" style="font-size:
12.0pt;font-family:Arial;mso-ascii-theme-font:minor-latin;mso-fareast-font-family:
宋体;mso-fareast-theme-font:minor-fareast;mso-hansi-theme-font:minor-latin;
mso-bidi-font-family:"Times New Roman";mso-bidi-theme-font:minor-bidi;
mso-font-kerning:1.0pt;mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;
mso-bidi-language:AR-SA">----</span><span style="font-size:12.0pt;font-family:
宋体;mso-ascii-font-family:Arial;mso-ascii-theme-font:minor-latin;mso-fareast-theme-font:
minor-fareast;mso-hansi-font-family:Arial;mso-hansi-theme-font:minor-latin;
mso-bidi-font-family:"Times New Roman";mso-bidi-theme-font:minor-bidi;
mso-font-kerning:1.0pt;mso-ansi-language:EN-US;mso-fareast-language:ZH-CN;
mso-bidi-language:AR-SA">直营团队拓展</span><!--EndFragment--><br>
竞争
对手
定位不清晰，规模还是利润
FTP定价没有完全市场化，限制了成本（6）利润空间小，市场成本更低（5-5.5）；本行本身负债成本也比较高
可以不进表，更市场化
资本市场类的主要是券商，股票质押回购也有其他银行在做，特别股份制（民生）和城商行（海峡，厦门），四大行推动不是很用力
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