更好的零售银行业技巧：小额银行业务未来的可支持预测The Art of Better Retail Banking 在线下载 pdf mobi 2025 epub 电子版

"This new book on retail banking is both readable and innovative. Its analysis is unusually accessible in its style, and the book's conclusions and predictions will be rightly thought provoking. The customer is gaining real power and this new book's insights on the importance of leadership, the need to unleash creativity and to make a bank's IT and people resource work together more effectively for customer satisfaction are important pointers to the shape of future competitive differentiation."

　--Sir Mervyn Pedelty, Recently retired Chief Executive, The Co-operative Bank plc, smile, CIS and Co-operative Financial Services

　"A stimulating read. A readable and lively book that is always informative, sometimes controversial and invariably challenging. The authors don't expect readers to agree with it all, but the readers will undoubtedly gain some fresh insights and perspectives on the multiple issues facing management in a rapidly changing industry."

--Chris Lendrum CBE, Recently retired Vice Chairman, Barclays Bank

　"This book is clear enough for the layman and thorough enough for any banker to obtain an excellent sense of the options for successful strategies for their retail businesses. The challenges of technology introduction, cost of production and scope of service are driving banks into responses increasingly similar to other industry sectors. These forces have been apparent for some years but are so evident now they can no longer be ignored. This book provides an excellent guide to mapping that future."

--Joseph DeFeo, CEO, CLS Bank.

"This is a useful guide to retail banking that provides a thought-provoking view on the state of The Art (of Better Retail Banking). Clearly retail banking can get better, and must! To steal an analogy from the conclusion, there is a sea change going on - consumers are looking more and more for greater simplicity and value, and so many banks are still making such heavy weather of it. This book does a good job of charting the current developments."

-- Lindsay Sinclair, CEO, ING Direct UK.

"A whistle-stop tour of all aspects of retail banking. This is a very readable and insightful real world mix of theory, strategy, tactics and practice. They have even managed to make banking sound exciting. But mostly they have been able to cut through the complexity to remind us all that success in retail banking is not just about finance and efficiency - it is about customers and staff, who are all too often forgotten about."

--Craig Shannon, Executive Director - Marketing, Co-operative Financial Services.

"The authors live up to their promise of providing managers and students with a clear exposition of the retail banking sector and how banks can confront the challenging future they face. This book is a practical manual with lots of useful advice. I was looking for new insights in this book - and I found them!"

--Professor Adrian Payne, Professor of Services Marketing, Director, Centre for Services Management, Cranfield School of Management.

"A key determinant of any organisation's success will be an enhanced understanding of 'value' as defined by customers, employees, shareholders and other stakeholders. Value can mean different things to these different groups, and this book has set itself the objective of identifying the approaches that will improve the value proposition for all of these interested parties. It achieves this objective."

--Professor Steve Worthington, Faculty of Business and Economics, Monash University.

"An enjoyable and useful read. It provides a good perspective on the role of IT and how IT suppliers and professionals need to contribute to future developments in retail banking strategy and implementation. It helps provide guidance for the significant challenges ahead for both suppliers and the Banks."

--Nick Caplan, Managing Director, Global Financial Services, LogicaCMG.

作者简介：

HUGH CROXFORD has had a career in banking and banking systems, primarily in the UK and USA. His first jobs were with Barclays Bank as a good old bank clerk, then as a computer operator, and then computer programmer. He joined Burroughs Corporation (now Unisys), where heworked on many sales and implementation assignments over eleven years, finally in their HQ in Detroit.

That was followed by a further ten years working with Citibank and HSBC in New York, where he was responsible for Customer Systems, and was a founding Executive Director of NYCE, the ATM/POS shared banking network.

Following a long interest in banking systems development, he joined ALLTEL Information Services in the US for several years, and was then relocated to the UK to develop European Sales. After ten years with ALLTEL he moved to Sanchez, both companies are now part of the Fidelity Group. Hugh continues to work in banking systems.

Preface

Background and Acknowledgements

About the Authors

Part I SETTING THE SCENE

　1 Introduction

　　1.1 Objective

　　1.2 Science and engineering

　　1.3 Science, art and engineering

　　1.4 A brief look back, and the culture of retail banking

　　1.5 The view from the bridge

　　1.6 We have to start from where we are

　　1.7 Are banks 'unpopular' ?

　　1.8 The path to popular popularity

　　1.9 And get this too ...

　　1.10 Change is in the air - confidence, simplicity, speed

　2 The Basic Model

　　2.1 Profit and return on equity

　　2.2 Capital requirements

　　2.3 Interest spread and interest margin

　　2.4 Non-interest income (fees and commissions)

　　2.5 Costs and the cost/income ratio

　　2.6 Loan losses

　　2.7 Taxation

　　2.8 Our loan of 1000

　　2.9　 Performance measurements

　　2.10 The different businesses within banking

　　2.11 Assets, liabilities, treasury, capital markets

　　2.12 Caveat - definitions

　　2.13 To really understand it without it hurting

　　2.14 Some further points

　3　Accounts, Services and Channels

　　3.1 Accounts

3.1.1 Current accounts

3.1.2 Savings accounts

3.1.3 Loan accounts

　　3.2 Payments

　　3.3 Services - fee-based and commissions

　　3.4 Delivery channels

3.4.1 Branches

3.4.2 ATMs

3.4.3 Digital

3.4.4 Postal banking

　　3.5 Bank cooperative channels

　　3.6 And some other points

3.6.1 Account variations

3.6.2 Bank cost allocation methodologies

3.6.3 And on product performances

　4　Real Banks and Challenges

　　4.1 Some lists of banks - international banks

　　4.2 Globalisation

　　4.3 UK banks

4.3.1 HSBC

4.3.2 Royal Bank of Scotland

4.3.3 HBOS

4.3.4 Barclays Bank

4.3.5 Lloyds TSB

4.3.6 Abbey National

4.3.7 Standard Chartered

4.3.8 Alliance & Leicester

4.3.9 Northern Rock

4.3.10 Bradford & Bingley

4.3.11 Yorkshire Bank

4.3.12 The Co-operative Bank

4.3.13 Clydesdale Bank

4.3.14 Egg

4.3.15 Northern Bank

　　4.4 A little more detail on some UK banks

　　……

　5 Sys tems and Information Technology(IT)

Part II THE PROPOSITIONS

References

Index

暂无相关内容，正在全力查找中

暂无出版社相关信息，正在全力查找中！

暂无相关书籍摘录，正在全力查找中！

在线阅读地址：更好的零售银行业技巧：小额银行业务未来的可支持预测The Art of Better Retail Banking在线阅读

在线听书地址：更好的零售银行业技巧：小额银行业务未来的可支持预测The Art of Better Retail Banking在线收听

在线购买地址：更好的零售银行业技巧：小额银行业务未来的可支持预测The Art of Better Retail Banking在线购买

暂无原文赏析，正在全力查找中！

书籍介绍

在线阅读本书

"This new book on retail banking is both readable and innovative. Its analysis is unusually accessible in its style, and the book′s conclusions and predictions will be rightly thought provoking. The customer is gaining real power and this new book′s insights on the importance of leadership, the need to unleash creativity and to make a bank′s IT and people resource work together more effectively for customer satisfaction are important pointers to the shape of future competitive differentiation."

––Sir Mervyn Pedelty, Recently retired Chief Executive, The Co–operative Bank plc, smile, CIS and Co–operative Financial Services

"A stimulating read. A readable and lively book that is always informative, sometimes controversial and invariably challenging. The authors don′t expect readers to agree with it all, but the readers will undoubtedly gain some fresh insights and perspectives on the multiple issues facing management in a rapidly changing industry."

––Chris Lendrum CBE, Recently retired Vice Chairman, Barclays Bank

"This book is clear enough for the layman and thorough enough for any banker to obtain an excellent sense of the options for successful strategies for their retail businesses. The challenges of technology introduction, cost of production and scope of service are driving banks into responses increasingly similar to other industry sectors. These forces have been apparent for some years but are so evident now they can no longer be ignored. This book provides an excellent guide to mapping that future."

––Joseph DeFeo, CEO, CLS Bank.

"This is a useful guide to retail banking that provides a thought–provoking view on the state of The Art (of Better Retail Banking). Clearly retail banking can get better, and must! To steal an analogy from the conclusion, there is a sea change going on – consumers are looking more and more for greater simplicity and value, and so many banks are still making such heavy weather of it. This book does a good job of charting the current developments."

–– Lindsay Sinclair, CEO, ING Direct UK.

"A whistle–stop tour of all aspects of retail banking. This is a very readable and insightful real world mix of theory, strategy, tactics and practice. They have even managed to make banking sound exciting. But mostly they have been able to cut through the complexity to remind us all that success in retail banking is not just about finance and efficiency – it is about customers and staff, who are all too often forgotten about."

––Craig Shannon, Executive Director – Marketing, Co–operative Financial Services.

"The authors live up to their promise of providing managers and students with a clear exposition of the retail banking sector and how banks can confront the challenging future they face. This book is a practical manual with lots of useful advice. I was looking for new insights in this book – and I found them!"

––Professor Adrian Payne, Professor of Services Marketing, Director, Centre for Services Management, Cranfield School of Management.

"A key determinant of any organisation′s success will be an enhanced understanding of ′value′ as defined by customers, employees, shareholders and other stakeholders. Value can mean different things to these different groups, and this book has set itself the objective of identifying the approaches that will improve the value proposition for all of these interested parties. It achieves this objective."

––Professor Steve Worthington, Faculty of Business and Economics, Monash University.

"An enjoyable and useful read. It provides a good perspective on the role of IT and how IT suppliers and professionals need to contribute to future developments in retail banking strategy and implementation. It helps provide guidance for the significant challenges ahead for both suppliers and the Banks."

––Nick Caplan, Managing Director, Global Financial Services, LogicaCMG.

• 作者：乔峰 发布时间：2024-03-26 13:29:13

  太精确了。精准狡猾到让人（读者和书中人物）没有喘息的机会。

• 作者：lorenweng 发布时间：2020-12-12 17:34:35

  浮光掠影吧，记住几道菜几个人和几个城市

• 作者：Lokyoo 发布时间：2016-03-23 15:11:48

  感觉就是一个方法.之后不断重复重复.还有多了几个例子.其实可以更加简短扼要明了.之后多些例子.sorry ,forgive me ,thank you ,i love u

• 作者：克莱夫宝贝尔 发布时间：2022-04-30 14:00:21

  还可以，考私教证应该有用，自学者看一圈就差不多了，还是没有网上视频直观

• 作者：于小狮 发布时间：2020-10-26 18:09:21

  朝花夕拾

• 作者：啦啦啦啦_65825 发布时间：2020-04-12 10:36:59

  古建筑挺多。园林，建筑的各个细节都有阐述。内容很多，但不是很详细，还是论述性比较多

• 《建筑也可以很好玩：从古典主义到近现代》｜建筑设计

  作者：Echominer 发布时间：2023-05-14 22:17:03

  这本书采用图文并茂的方式梳理了古典主义到近现代的欧洲建筑（设计）史，帮助我们了解每个流派和时代的建筑风格。纯文字太困了，这本有大量图片比较有趣又不晦涩，可作为入门书籍。

  因为建筑风格主要受时代政权更迭和经济发展的影响，这本书在最开始也会采用一些比较简洁的方式讲解，为什么这个时代会出现一些新的设计理念。比如17世纪法国宫廷文化，建筑为皇权服务，而且受笛卡尔等人自然科学的影响力，建筑风格表现为比较规则几何比例对称的古典主义建筑。到了资产阶级革命时期，不同国家又体现出不一样的建筑风格，比如法国，拿破仑进行了资产阶级革命，那么它的一个建筑风格就不会像之前一样采用哥特式风格或者是古典主义，它就在古希腊和古罗马民主共和的观念里面提取出神庙柱式的建筑元素。而对于英国来说。他又是偏浪漫主义风格，在浪漫主义风格的基础上，他又进行了哥特式的复兴，同时英国进行了工业革命，建筑材质大大的发生了改变，钢铁进入建筑市场。英国梅奈悬索桥和法国的埃菲尔铁塔就是这一时代的建筑产物。

  由于时代的一个发展，在传统艺术与新时代需求之间产生了一种矛盾，就是他没有找到一种与之相匹配的一个建筑形式，建筑风格仍然采用上世纪上上世纪的一个风格，但是这个时候我们已经进入了工业革命城镇化时代，建筑功能和材质都发生了改变，就开始对建筑设计进行了一系列探索。经过工艺美术运动、新艺术运动以及芝加哥学派，逐渐过渡到现代主义建筑。更新了建筑是为大多数人服务的，建筑设计以功能服务为主和少就是多的理念。之前看的慕夏少女画是在新艺术运动里面，从古典中剥离出来拥抱自然的风格，所以慕夏少女画中有很多曲线和植物背景。我们现在的一些高楼大厦主要也是因为我们住房短缺，而在那个时候的背景主要是因为一战和二战，大量的住宅都被摧毁，所以需要进行标准化的批量生产，这个时候又出现了钢筋混凝土和框架体系，玻璃幕墙装配式节约生产成本。

  期待作者出一本中国建筑史。

• 我花费了如此多时间，我很惭愧。

  作者：keke藕 发布时间：2010-04-14 02:40:11

  我不会推荐这本书。

  虽然我还是坚持把496页认真看完了，因为我有精神洁癖。

  实际上。

  建议阅读方式：迅猛的略读每章开始部分浅显易懂的“卡耐基金言”就好，因为主体内容没有任何的详尽解释或深入阐述。时间把握在两个小时以内。

  建议阅读人群：18岁到20岁及从未想过想要尽力认识自己的人，成熟的孩子可以在15岁左右阅读，可是那个时候在初高中学习没时间读这种“工具书”，所以还是不要读了。再说在不该圆滑的时候领略一下不成熟挺好的。

  建议阅读前提：你需要做一份类似营销的临时性交际工作，或者你发现你身边的所有人都讨厌你而你感到惶恐和痛苦了，或者你发现你嫉妒你身边那个如鱼得水的人了。注意，这本书完全不能帮助你认识到人性的弱点，更不能帮助认识自我。

  说下我不推荐的理由：

  1.该书属于上个世纪30、40年代的美国，不属于地球毁灭前几年的中国。这导致了两点：一是许多观点甚至是基点已经落后；二是美国经济大萧条后的躁动发展大背景为该书确立的“高效率”的教条式立场很令人反感，因为我们现在不需要有人在身后抽着鞭子指令明确的告诉我们怎么过才叫做幸福，我们也许更想被含蓄安静的揭面纱。比如，他会告诉你为了走出孤独忧虑的人生为了获得“幸福感”要遵守“消除心中的忧虑”这个原则，他无情的反对人类的自怜情绪，认为始终走不出悲伤绝望或忧虑就是不可原谅的失败，他除了直接又严厉的命令“你不能一直保持忧虑，否则你会被社会被大众抛弃”之外，并未尝试性的告诉我们什么是“忧虑”，“忧虑”从何而来，为什么会产生“忧虑”。倘若忧虑真像卡耐基说的那般是人类的敌人，那如果如此不了解敌人，凭什么靠一句命令就能战胜它？当然我想卡耐基是解释不了这些的，我甚至怀疑他由于个人理解力及层次问题对普林斯顿大学校长哈洛•达斯的一段发言当作佐证材料完全用错了地方。

  2.篇幅冗长，废话连篇，结构不合理，逻辑性太差。总结一下该书的主要观点，不会超过500个字，他却整了个44.5万字，除了引用大篇幅的案例而且是重复作用的案例之外，还有很多废话，比如他举例一个人的唠叨有多烦人时，可以把那些烦人的唠叨话写个两大页甚至更多，细到“强尼要蕉蕉，强尼拉拉”这样的描述。一共十篇，看看这些篇题：第一篇 与人相处的基本技巧，第二篇 平安快乐的要诀，第三篇 如何使人喜欢你，第四篇 如何赢得他人的赞同，第五篇 如何更好地说服他人，第六篇 幸福的家庭生活，第七篇 如何使你变得更加成熟，第八篇 走出孤独忧虑的人生，第九篇 不要为金钱和工作烦恼，第十篇 远离疲劳，保持活力。敢问这些篇之间的联系和区别在哪？是同质并列关系还是递进关系啊？是为了不完整的交代人生可能遇到的各种问题么？如果是这样，那请问第四篇和第五篇的区别在哪啊？第八篇和第九篇又是个什么关系嘛？在更细一层的章节机构上就更加混乱了，第二章讲了关于疲劳，第十章又反复的讲，重复之处简直多如牛毛，不是简单的重复，是基于整个框架都没有逻辑，因此从第一章到第十章都在围绕一句话转圈圈，讲了几十万字还是在讲那一个观点。

  哎。

  当然我没有资格去批评卡耐基以及他的作品，毕竟我不是“卡耐基”，我默默无闻甚至可能一辈子都没办法如他那般“成功”，所以整体上还是抱着学习为主的精神记住那些可以记住的东西吧：

  简单的总结，该书496页只表达了一句话：“已所不欲，勿施于人；己所欲，先施于人”。

  从两个角度阐述，都在从事社会活动的前提下，一是个人的发展，如何使自己“平安快乐”；二是与人相处，如何使自己左右逢源。顺带解释了一点夫妻间的相处。

  个人的发展方面，要点在于：时常进行自我批评，要善于自我暗示（当然是好的方面），不去担心未知（未发生的不好的结果），经常休息消除疲劳（卡耐基似乎认为疲惫和忧虑是人生最大的威胁），不喋喋不休怨天尤人，接受既定事实的困难并改变，正确理财。总之就是头也不回的保持前进的步伐。

  与人相处方面，要点在于：站在他人的角度着想而不是奢望别人为你着想，只当面赞赏绝不当面批评他人，鼓励他人多表达其兴趣点使自己成为好的倾听者使其感到优越感，实在要下命令时把对方当做已经满足了自己的要求，大度的原谅他人的侵犯或者批评并且不回应，微笑，记住他人姓名。总之就是顾全他人的面子。

  夫妻关系同样如此：自己少说话而让对方说，不批评而是赞赏对方，注重细节。

  我忍不住还是想说，按照我的理解，此教条的执行指向一个很会自我安慰且拥有虚伪的人际关系的人。