2 thoughts on “What are the advantages and disadvantages of the total branch bank”
Bryant
The general branch system is also called the "branch system". It is characterized by the law that allows the law to set up branches in the same area or different regions except the bank headquarters to form a huge bank network with a general actions. The headquarters of such banks is generally located in large -scale economic and convenient communication cities, which is conducive to managing and conducting subordinate branches. Most countries in the world generally implement this system, such as Western Europe, Russia, Japan, and China.
1, advantages: The banks that implement the total branch system are significant, which is that there are many bank branches, wide distribution, and huge total scale, forming a bank network. Due to this feature, such banks have the following advantages in terms of management: ① can enhance the liquidity of funds and improve the security of banks Deposit, fully and effective use of monetary capital; at the same time, due to the decentralization of loans, it can reduce the average risk of lending, bring the overall return rate, and adjust the funds in a large range to enhance the liquidity of funds. The decentralization of lending has also greatly improved bank security, even if the failure of individual branches' operations will not affect the survival of the entire bank. ② reduces non -profit asset occupation The cash preparation, due to the flexible mobilization of branches, the entire banking system can relatively reduce the amount of reserve and reduce non -profit asset occupation. ③ It is conducive to the expansion of the bank's total capital and the scale of operating scale The total branch system is implemented. While the capital liquidity is greatly increased, the total capital of the bank will also expand accordingly, which is conducive to expanding the scale of business. ④ can provide customers with more convenient financial services This can provide customers with more convenient financial services, especially banks 'foreign branches, which can meet customers' needs for developing international markets. If countries that implement the general branch system, the number of general banks generally has a small number, but the scale is large. Therefore, when the state is conducting financial regulation, as long as the active cooperation of these banks can be achieved, it can achieve good results, thereby reducing the difficulty of national macro -control. 2, disadvantages: ① Total branch is easy to form a large -scale bank manipulation of several large -scale banks within a country, leading to the occurrence of financial monopoly. ② banks are too large, more levels, and management difficulties. ③ The mobilization and rotation of the personnel of branches will lose contact with the banks with their customers, and the bank staff will adhere to the same level and weaken the control management of the branch's branch. ④ Due to the small influence of the local economy's branches that are implemented by the general branch system, the management staff of the branch institutions do not care very much about the development of the local economy. In general, the total branch system has the advantages that other banking systems cannot compare, and can better meet the needs of modern economic development, thus becoming the main form of business banks today. This response time: 2021-06-29, please refer to the official website of Ping An Bank. [Ping An Bank I know] Want to know more? Come and see "Ping An Bank, I know" ~ B.pingan/Paim/Iknow/Index
The general branch system is also called the "branch system". It is characterized by the law that allows the law to set up branches in the same area or different regions except the bank headquarters to form a huge bank network with a general actions. The headquarters of such banks is generally located in large -scale economic and convenient communication cities, which is conducive to managing and conducting subordinate branches. At present, most countries in the world have generally implemented this system, such as Western Europe, Russia, Japan, and China.
The advantages
The banks that implement the general branch system are significant. It has a large number of bank branches, wide distribution, and huge total scale, forming a bank network. Due to this characteristic, such banks have the following advantages in business management:
This can enhance the liquidity of funds and improve bank security
Many, the business is decentralized, so it is easy to absorb deposits, and fully and effective use of monetary capital. At the same time, due to the dispersing loans, the average risk of lending can be reduced, bringing the overall return rate sex. The decentralization of lending has also greatly improved bank security, even if the failure of individual branches' operations will not affect the survival of the entire bank.
This reduction of non -profit asset occupation
The cash preparation, due to the flexible mobilization of branches, the entire banking system can relatively reduce the amount of the reserve and reduce non -profit margin Asset occupation.
It is conducive to bank expansion of total capital and operating scale
The total branch system, while the capital liquidity is greatly increased, the total capital of banks will be expanded accordingly. Failure to expand business scale.
It can provide customers with more convenient financial services
can provide customers with more convenient financial services, especially banks' foreign branches, which can meet customers Pioneering the needs of the international market.
5. For countries that implement the general branch system, the number of general banks is small, but the scale is large. Therefore, when the state is conducting financial regulation, as long as the active cooperation of these banks can be achieved, it can achieve good results, thereby reducing the difficulty of national macro -control.
Disadvantages
1. Total branches are easy to form a large -scale bank manipulation of several large -scale banks within a country, leading to the occurrence of financial monopoly.
2. The scale of the bank is too large, the level is large, and management is difficult.
The general branch system is also called the "branch system". It is characterized by the law that allows the law to set up branches in the same area or different regions except the bank headquarters to form a huge bank network with a general actions. The headquarters of such banks is generally located in large -scale economic and convenient communication cities, which is conducive to managing and conducting subordinate branches. Most countries in the world generally implement this system, such as Western Europe, Russia, Japan, and China.
1, advantages:
The banks that implement the total branch system are significant, which is that there are many bank branches, wide distribution, and huge total scale, forming a bank network. Due to this feature, such banks have the following advantages in terms of management:
① can enhance the liquidity of funds and improve the security of banks Deposit, fully and effective use of monetary capital; at the same time, due to the decentralization of loans, it can reduce the average risk of lending, bring the overall return rate, and adjust the funds in a large range to enhance the liquidity of funds. The decentralization of lending has also greatly improved bank security, even if the failure of individual branches' operations will not affect the survival of the entire bank.
② reduces non -profit asset occupation
The cash preparation, due to the flexible mobilization of branches, the entire banking system can relatively reduce the amount of reserve and reduce non -profit asset occupation.
③ It is conducive to the expansion of the bank's total capital and the scale of operating scale
The total branch system is implemented. While the capital liquidity is greatly increased, the total capital of the bank will also expand accordingly, which is conducive to expanding the scale of business.
④ can provide customers with more convenient financial services
This can provide customers with more convenient financial services, especially banks 'foreign branches, which can meet customers' needs for developing international markets.
If countries that implement the general branch system, the number of general banks generally has a small number, but the scale is large. Therefore, when the state is conducting financial regulation, as long as the active cooperation of these banks can be achieved, it can achieve good results, thereby reducing the difficulty of national macro -control.
2, disadvantages:
① Total branch is easy to form a large -scale bank manipulation of several large -scale banks within a country, leading to the occurrence of financial monopoly.
② banks are too large, more levels, and management difficulties.
③ The mobilization and rotation of the personnel of branches will lose contact with the banks with their customers, and the bank staff will adhere to the same level and weaken the control management of the branch's branch.
④ Due to the small influence of the local economy's branches that are implemented by the general branch system, the management staff of the branch institutions do not care very much about the development of the local economy.
In general, the total branch system has the advantages that other banking systems cannot compare, and can better meet the needs of modern economic development, thus becoming the main form of business banks today.
This response time: 2021-06-29, please refer to the official website of Ping An Bank.
[Ping An Bank I know] Want to know more? Come and see "Ping An Bank, I know" ~
B.pingan/Paim/Iknow/Index
The general branch system is also called the "branch system". It is characterized by the law that allows the law to set up branches in the same area or different regions except the bank headquarters to form a huge bank network with a general actions. The headquarters of such banks is generally located in large -scale economic and convenient communication cities, which is conducive to managing and conducting subordinate branches. At present, most countries in the world have generally implemented this system, such as Western Europe, Russia, Japan, and China.
The advantages
The banks that implement the general branch system are significant. It has a large number of bank branches, wide distribution, and huge total scale, forming a bank network. Due to this characteristic, such banks have the following advantages in business management:
This can enhance the liquidity of funds and improve bank security
Many, the business is decentralized, so it is easy to absorb deposits, and fully and effective use of monetary capital. At the same time, due to the dispersing loans, the average risk of lending can be reduced, bringing the overall return rate sex. The decentralization of lending has also greatly improved bank security, even if the failure of individual branches' operations will not affect the survival of the entire bank.
This reduction of non -profit asset occupation
The cash preparation, due to the flexible mobilization of branches, the entire banking system can relatively reduce the amount of the reserve and reduce non -profit margin Asset occupation.
It is conducive to bank expansion of total capital and operating scale
The total branch system, while the capital liquidity is greatly increased, the total capital of banks will be expanded accordingly. Failure to expand business scale.
It can provide customers with more convenient financial services
can provide customers with more convenient financial services, especially banks' foreign branches, which can meet customers Pioneering the needs of the international market.
5. For countries that implement the general branch system, the number of general banks is small, but the scale is large. Therefore, when the state is conducting financial regulation, as long as the active cooperation of these banks can be achieved, it can achieve good results, thereby reducing the difficulty of national macro -control.
Disadvantages
1. Total branches are easy to form a large -scale bank manipulation of several large -scale banks within a country, leading to the occurrence of financial monopoly.
2. The scale of the bank is too large, the level is large, and management is difficult.