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赢吧,赢吧论坛,赢吧88策略:工行盐城分行积极布局跨境人民币业务

2018-04-04 10:37:17
来源:中新网江苏

金牛国际娱乐网址:Thetroubled-plaguedSamsungGalaxyNote7,nowwithdrawnfromsales,usedtobeoneoftheSouthKoreangroup'smostsought-aftersmartphonemodels.[Photo/Agencies]China'scellphoneshipmentsincreasedto560millionslastyear,up8percentyear-on-year,accordingtodatafromtheChinaAcademyofInformationandCommunicationsTechnology.Thedatafromtheacademy,affiliatedtotheMinistryofIndustryandInformationTechnology,alsoshowChineseconsumersarelikelytoreplace400millionto500millioncellphonesayear,addingtotheexistingheapofabout1billiondiscardedcellphones.Instarkcontrast,therecyclingrateofcellphonesislessthan2percent.Abluebookonelectronicsconsumption,issuedbyShanghai'sHorizonResearchConsultancyGroupin2015,says65.4percentofconsumerschoosetodiscard,butnotrecycle,theiroldelectronicdevices.Ifdigitalwasteisnotrecycledorappropriatelydisposedof,itcoulddamagetheenvironment.Evenduringthemanufacturingprocessofsmartphones,somevolatilematerialslikelead,cadmium,mercuryandothermetals,ifnottreatedproperly,couldharmtheecosystemandhumanhealththroughsoilandwatercontamination.Andtheplasticcasesofdigitaldevicesreleasetoxic,evencarcinogenic,fumeswhentheyareburned.However,discardedelectronicdevices,includingcellphones,canbeturnedintousefulitems.Recently,theTokyoOrganisingCommitteeoftheOlympicandParalympicGamesannouncedaplantorecyclediscardedelectronicdevices,includingcellphones,andextractthemetalsfromthemtomakemedalsforthe2020Olympics.Somecellphonecomponentshavevaluablemetalsthatarecostlierthanevengoldandsilverore.TheAppleEnvironmentalResponsibilityReport2016saidinfiscalyear2015,Applegeneratedapproximately13.1millionpoundsofwaste,anddivertedover22.5millionpoundsofmaterialsfromlandfillthroughrecyclingandcomposting.However,thecostofrecyclingcellphonesishigh,notonlyintermsofmoneybutalsootherfactors.Themostimportantfactorispersonalprivacyandinformationsecurity.AccordingtotheChinaAcademyofInformationandCommunicationsTechnology,inJanuarythisyearthedomesticshipmentofsmartphonesreached45.03million,accountingfor96percentofthetotalshipmentofcellphones.Smartphonesarepopularnotjustbecausepeopleusethemtocallorreceivecallsandsendorreceivemessages,butalsobecausetheyneedthemtokeepintouchwiththeircontactsonWeChat,useAlipay,conductcellbankingoperationsandbrowsetheinternet.Andsinceusershavetoinputalotofpersonalinformationintothecellphonestocarryouttheseoperations,theyarereluctanttohavethemrecycledastheyfeartheirpersonalinformationcouldbeleakedandmisusedbyunscrupulouspeople.Thesecondfactorthatmakescellphonerecyclingdifficultisthelackofenoughandregularrecyclingchannels.ForiPhone,iPadandiMacusers,forexample,theonlyavailablechannelforrecyclingisApplestores.Theotherfactoristhatthemoneyusersgetinexchangeforhandingovertheircellphonestoregisteredrecyclingagentsisnotenoughtooffsettheriskoftheirpersonalinformationbeingmisused.Somostusersprefertokeepthediscardedsmartphonesathome.Besides,regularrecyclingofcellphonesmostlyinvolvesdismantlingthedevicesandextractingfromthemmetalsandparts,whosevaluemaynotbeworththecostofrecycling.Thisimbalanceintherecyclingmarketisperhapsthegreatestreasonwhyahugepercentageofthediscardedcellphonesisnorecycled.Onlywhenthefactorsareaddressedcantherecyclingofthecellphonesbeeffectivelyimplemented.TheauthorisawriterwithChinaDaily.zhangyuchen@chinadaily.com.cn

  今年以来,工行盐城分行以拓展国际业务优质客户为抓手,以加快发展跨境人民币业务为重点,坚持上下联动、内外联动,以全局观布局跨境人民币业务提升工作。

  布局客户管理,分层营销。该行一直将国际业务客户精准营销活动作为客户营销的重中之重。首先,通过大数据分析,找出客户服务中的痛点和难点,进而对症下药,确定行之有效的营销方案。对于该行有贷户,在办理融资前,分析客户在该行的跨境人民币市场份额,力争业务占比与融资占比相匹配,实现有贷户的跨境人民币业务突破和提升。其次,针对大量的中小企业客户,通过过硬的专业服务能力和全面的产品优势,争先揽户,扩大客户规模,逐步改善客户基础较薄弱的问题。同时,针对不同类型客户的不同需求,形成国际结算、跨境人民币和国际贸易融资业务既独立、又协调发展的格局,实现业务可持续健康发展。 

  布局重点产品,精准营销。以前期营销成功的跨境资金池为抓手,提升跨境人民币业务占比。持续加强对重点客户的辅导,丰富运用跨境资金池业务产品,依托重点产品线,逐步形成系统功能完善、产品类型丰富、客户满意度高的资金池业务,抢占市场优质资源,提升跨境人民币业务量规模,逐步缩小与他行的市场占比差距,实现“以池带户”的新布局。在结构上,将跨境人民币业务进一步推广覆盖到国际结算、资本金、贸易融资等各个方面,提高业务增长点。(杨广峰)

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