The realignment of the global financial industry which started late in the 1980s is contained in the 2nd phase. The convergence and consolidation has occurred in the financial industry such as a bank, a security, and insurance by enactment of U. S. Depository Institutions Deregulation and Monetary Control Act of 1980 in 1999 and the EU integration.
Realignment of the financial sector accelerates also in Japan, and major banks are unified to four groups. The company of non-financial institutions, such as Ito-Yokado, Sony, and Softbank, has entered to the financial industry. The business environment of a financial institution is increasing severity in Japan.
Under these circumstances, first, a Japanese financial institution should reform a low profit profile. It is important to perform a shift to the high business of added value in addition to the improvement of a low interest sheath and reduction of cost. A Japanese financial institution attains differentiation of a financial product and service.
Second, it is clarifying the strategy after integration and carrying out concentration of branch, and rationalization of duplication business promptly. It is important to transform the organization suited new business and to perform acquisition of the talented people corresponding to it, and to reform HR system.
Third, it is necessary to perform IT investment of the same level as a European and American financial institution. For example, developing CRM (Customer Relationship Management) system and service through the Internet etc. is performed. It is important to strengthen a management base and to improve their competition predominance through the above.
抄録全体を表示