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中小企業向けバンキング:ベストプラクティスとケーススタディ

SME Banking: Best Practice and Case Studies

発行 Retail Banking Research 商品コード 134812
出版日 ページ情報 英文 151 Pages
納期: 即日から翌営業日
価格
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中小企業向けバンキング:ベストプラクティスとケーススタディ SME Banking: Best Practice and Case Studies
出版日: 2010年10月12日 ページ情報: 英文 151 Pages

当商品の販売は、2016年07月01日を持ちまして終了しました。

概要

当レポートでは、世界の主要地域/国における中小企業向けバンキングビジネスの事例を調査分析し、デリバリー経路戦略、リスク管理戦略、金融商品・サービス・サポートなどのケーススタディをまとめ、概略下記の構成でお届けいたします。

エグゼクティブサマリー

バンキング商品・経路・リスク

  • バンキング商品と販売経路
  • 中小規模企業向けペイメントカード
  • リスク管理

ケーススタディ:オーストラリア

  • Australia & New Zealand Banking Group (オーストラリア)
    • 背景
    • デリバリー経路戦略
    • ANZとSME
    • ビジネス教育
    • SMEへの融資
    • 総論
  • Bendigo and Adelaide Bank (オーストラリア)
    • 背景
    • コミュニティバンキングモデル
    • SMEのためのビジネス環境の改善
    • Toora(ビクトリア州)
    • ラーニング体験
    • 総論

ケーススタディ:欧州

  • Caja Navarra (スペイン)
    • スペインの亜バンキング
    • Caja Navarraの位置付け
    • 市民のバンキング
    • Caja NavarraとSME
    • EURECAN
    • CanchasとSME
    • 総論
  • The Sparkassen (ドイツ)
    • 背景
    • The Savings Bank Finance GroupとMittelstand
    • 国際的次元
    • ビジネスへの理解
    • 将来に向けて
    • 総論
  • Lloyds TSB (英国)
  • ショートケーススタディ:ルーマニア・ベルギー・スロバキア
  • 欧州における関係管理
  • 顧客による見解
  • 英国のハイストリートにおけるSMEバンキング

ケーススタディ:北米

  • Advanta (米国)
  • Ixe Banco (メキシコ)
  • Key Bank (米国)
  • TD Canada Trust (カナダ)
  • Wells Fargo (米国)
  • 米国の銀行と中小規模企業
目次

Abstract

The SME sector is served by both long established banks and newer players. The market leaders have well developed strategies that have brought success for both themselves and their clients. However, the recent economic difficulties have opened up fault lines in the relationships between many banks and their SME clients.

This report reviews up-to-date case studies from across the world and accesses important research in order identify the key drivers of success in SME banking. It also reflects the principal lessons to be learned from the experience of the recent financial crisis. As such it provides an insightful and timely guide to the critical success factors for banks seeking to develop a profitable share of the SME market.

Table of Contents

ACKNOWLEDGEMENTS

  • About the author. David J Cavell FCIB
  • About the publisher. Retail Banking Research (RBR)
  • Confidentiality
  • Disclaimer

TABLE OF CONTENTS

TABLE OF FIGURES

EXECUTIVE SUMMARY

  • Economy and community
  • Getting closer?
  • Relationship management
  • Women entrepreneurs
  • Access to finance and risk management
  • Products
  • Education and support
  • Delivery channel strategy
  • Conclusion

BANKING PRODUCTS, CHANNELS AND RISK

1. Banking products and channels

  • 1.1 The transaction, current or checking account
  • 1.2 Savings and investments
  • 1.3 Borrowing
  • 1.4 Related services
  • 1.5 The role of the branch
  • 1.6 Self service
  • 1.7 Internet banking
  • 1.8 Other direct channels
  • 1.9 Direct channels in Europe

2. Payment cards for SMEs

  • 2.1 The business card
  • 2.2 Debit cards
  • 2.3 The travel and entertainment (T&E) card
  • 2.4 The credit card
  • 2.5 The professional card
  • 2.6 The executive business card
  • 2.7 The ' lodge' cards
  • 2.8 Fleet and fuel cards
  • 2.9 The multicard
  • 2.10 Management information services
  • 2.11 Developing the product
  • 2.12 Card designs for business
  • 2.13 Mini-case study: The Universal Air Travel Plan (USA)
  • 2.14 Conclusion

3. Risk management

  • 3.1 Background
  • 3.2 SMEs and profitable lending
  • 3.3 Lending effectively
  • 3.4 Commercial scoring and information services
  • 3.5 Automated application processing close up
  • 3.6 Workflow management
  • 3.7 Ongoing customer management
  • 3.8 Working for the SME
  • 3.9 Conclusion

CASE STUDIES FROM AUSTRALIA

4. Australia & New Zealand Banking Group (Australia)

  • 4.1 Background
  • 4.2 Delivery channel strategy
  • 4.3 ANZ and SMEs
  • 4.4 Business education
  • 4.5 Lending to SMEs
  • 4.6 Conclusion

5. Bendigo and Adelaide Bank (Australia)

  • 5.1 Background
  • 5.2 The community banking model
  • 5.3 Improving the business environment for the SME
  • 5.4 Toora, Victoria Stage
  • 5.5 A learning experience
  • 5.6 Conclusion

CASE STUDIES FROM EUROPE

6. Caja Navarra (Spain)

  • 6.1 Spanish banking
  • 6.2 Caja Navarra positioning
  • 6.3 Civic banking
  • 6.4 Caja Navarra and SMEs
  • 6.5 EURECAN
  • 6.6 The Canchas and SMEs
  • 6.7 Conclusion

7. The Sparkassen (Germany)

  • 7.1 Background
  • 7.2 Savings Banks Finance Group and the Mittelstand Products and promotion
  • 7.3 The international dimension
  • 7.4 Understanding the business
  • 7.5 Into the future
  • 7.6 Conclusion

8. Lloyds TSB (UK)

  • 8.1 A strong heritage
  • 8.2 The SME difference
  • 8.3 Delivery channel strategy
  • 8.4 Business clients and branches
  • 8.5 The SME Charters 2008-2012
  • 8.6 Further support
  • 8.7 Conclusion

9. Short case studies from Romania, Belgium and Slovakia

  • 9.1 Banca Transilvania (Romania)
  • 9.2 Dexia Bank (Belgium)
  • 9.3 Slovenska Sporitelna - Erste Group (Slovakia)

10. Relationship managements in Europe (including lending)

  • 10.1 Independent research
  • 10.2 Accountabilities and portfolio
  • 10.3 Service, sales and acquisition
  • 10.4 Credit assessment and management
  • 10.5 Conclusion

11. The view from the customer

  • 11.1 Background
  • 11.2 Success in getting credit
  • 11.3 Reasons for having been refused credit
  • 11.4 Looking forward

12. SME banking on the UK high street

  • 12.1 Background
  • 12.2 The current situation
  • 12.3 Specialism and design
  • 12.4 HSBC branch strategy
  • 12.5 Service visibility and presence
  • 12.6 Conclusions

CASE STUDIES FROM NORTH AMERICA

13. ADVAMTA (USA)

  • 13.1 SMEs and the credit cycle
  • 13.2 Introducing Advanta
  • 13.3 Business development
  • 13.4 The turning point
  • 13.5 Risk management strategy
  • 13.6 Conclusion

14. Ixe Banco (Mexico)

  • 14.1 Background
  • 14.2 The bank
  • 14.3 Ixe banco and SMEs
  • 14.4 Delivery strategy
  • 14.5 Lending to SMEs
  • 14.6 Am evolving strategy

15. Key Bank (USA)

  • 15.1 Background
  • 15.2 Delivery channel strategy
  • 15.3 Products, services and support
  • 15.4 Women business owners
  • 15.5 Formalising the bank' s commitment
  • 15.6 Key4Women in action
  • 15.7 Relationship management
  • 15.8 Conclusion

16. TD Canada Trust (Canada)

  • 16.1 Background
  • 16.2 Delivery channel strategy
  • 16.3 TDCT and small business
  • 16.4 Local service and sales
  • 16.5 Customers and their needs
  • 16.6 Improving the customer experience at the branch
  • 16.7 Conclusion

17. Wells Fargo (USA)

  • 17.2 Scale and diversity
  • 17.3 Business education
  • 17.4 The product set
  • 17.5 Conclusion

18. Banks and SMEs in the USA

  • 18.1 The Greenwich market pulse
  • 18.2 Brand
  • 18.3 Relationship management
  • 18.4 Capital expenditure
  • 18.5 Conclusion

APPENDIX: CONTRIBUTORS

TABLE OF FIGURES

  • Figure 1: Examples of the new generation of branches - ANZ and Wells Fargo
  • Figure 2: Fully automated depository at SpareBank I (Photo courtesy of Scan Coin)
  • Figure 3: Depositories and change machines at Commonwealth Bank and NAB in Australia (Photos courtesy of Banking Automation)
  • Figure 4: Developing the right customer proposition (Source: MasterCard Europe)
  • Figure 5: Experian scorecard predictiveness
  • Figure 6: The new generation of ANZ branch with a strong corporate image
  • Figure 7: Celebrating community banking at Rosewood
  • Figure 8: Civic banking at the branches of Caja Navarra
  • Figure 9: Caja Navarra SME definitions
  • Figure 10: The new style LTSB branches serve both personal and SME clients
  • Figure 11: New generation Dexia branches
  • Figure 12: Concerns for SME businesses in the UK
  • Figure 13: Sources of credit for SME businesses in the UK
  • Figure 14: Reasons why SME businesses in the UK require credit
  • Figure 15: SME success in getting credit
  • Figure 16: Refusal rates by financing purpose and amount required
  • Figure 17: Reasons given for refusal of credit
  • Figure 18: Reasons why the business requires finance in 2010
  • Figure 19: Other main sources of alternative finance
  • Figure 20: HSBC out-of-town business banking branch
  • Figure 21: SME financing statistics for Canada
  • Figure 22: Distribution of businesses by size
  • Figure 23: Advanta corporate and business credit cards
  • Figure 24: Percentage of receivables and their FICO score at origination
  • Figure 25: The latest branch design from Ixe Banco
  • Figure 26: Breakdown of KeyBank retail branches by region
  • Figure 27: The Key4Womenn National Advisory Board at work
  • Figure 28: New generation branch banking in Canada
  • Figure 29: Simple, effective, modern branches at Wells Fargo
  • Figure 30: SME reasons for increasing capital expenditure
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