Richard Jackson – Q&A

理查德·杰克逊先生(Richard Jackson) 就员工的近期提问进行了集中回答,现摘录如下(中文翻译由官方提供,如有与本人理解出入处,以本人理解为准):


a) Will PAG impose insurance culture on our Bank?
 
PAG culture is not specifically an insurance culture. It is a modern management culture based on three core principles – accountability, performance and transparency. These principles are applied to PAG businesses in a way that specifically recognizes the reality of the different industries in which PAG operates – life insurance, P&C insurance, securities, trust, banking, asset management, annuity etc. At SDB for the last few years these same principles have begun to take root already – we already have KPIs, 360 degree assessments, unit and individual ranking as part of our annual assessment processes. Learning from the experience of PAG we can further improve the effectiveness of these processes and better recognize those of our staff who perform well. This is not a radical change it is a natural development of what we already do, and is similar to the approach taken at other leading Banks in China (Minsheng for example is also quite advanced with this approach).

1)平安集团是否会将保险文化强加于我行?

平安文化并不是一种严格意义上的保险文化。它是一种现代管理文化,基于三大核心准则:问责、绩效和透明。平安集团在将这些准则运用于自身业务时,也特别注意平安所经营的不同行业的实际情况:寿险、产险、证券、信托、银行、资产管理、养老险等。而在过去的几年中,这些原则也已开始在深发扎根 ——我们已有KPI、360度测评、年度考核时进行单位和个人排名。通过借鉴平安集团的经验,我们可以进一步提高这些流程的有效性,并能更好地奖励那些表现优异的员工。这种改变不是对原文化的彻底推翻,而是我们现有文化的一种自然发展,跟中国其它主要银行所采用的方式类似(例如,民生银行在这方面就颇为先进)。

 e) Does PAG really understand Bank, is it an Insurance Company?
 
PAG is not an Insurance Company, it is an Integrated Financial Group covering most sectors of the financial industry (Banking now represents half of PAG assets!). It has successfully built industry leading businesses in each area by having a good strategy, assembling good teams, establishing clear plans, providing adequate resources, implementing well, having a culture that recognizes good performance, continuously learning from outside, and paying great attention to the market. At the Bank we have a clear strategy in “Best Bank”, we have a good team, we are now working on clear plans. In the future we will concentrate on implementation, building our recognition for good performance, and ensuring we improve relative to the market. This is nothing to be frightened about, it is normal if we are to develop. We all want to develop, and we all want the Bank to do better….this is how we do it! On the contrary PAG will be a huge positive resource for us in the future in respect for support for customer resources, infrastructure improvement and capital resources.

5) 平安集团是否真正了解银行,平安集团是保险公司吗?

平安集团不是保险公司,它是一家涵盖金融行业多个领域的综合金融集团(银行业务现在占集团总资产的一半!(Felix按:平安集团七千亿,深发五千亿,两者相加后等于现在集团总资产,这个所谓的“占一半”,说了等于白说)。通过出色的战略部署、构建优秀团队、制定清晰的计划、提供充足的资源、强调执行力、绩效导向文化、孜孜不倦的学习态度及对市场的密切关注,平安集团在所经营的各个领域都成功构建了行业领先地位。在银行,我们有明确的“最佳银行”战略和卓越的团队,现在正在制定具体的计划。未来我们要集中关注战略的实施,用优秀的银行业绩赢得各界的认可,以赶超市场的速度发展进步。所以没有什么可害怕的,如果我们想要发展,这是正常的过程。我们都想得到发展,都想银行能做得更好……这是我们的发展之道!而平安集团在客户资源、基础设施改善及资本方面将为我们提供极大的支持。

 g) Should I be concerned about the future, how can I be sure about all the above?
 
PAG has been main shareholder now for six months, we can look at the changes that have taken place so far and with the strategy that has been developed for the future of the bank. Based on this we can draw the following conclusions….
 
– changes that have been made so far are positive and reflect what many of our colleagues already recognized and suggested
– the future strategy of the bank has been established, based on reality
– capital resources have been improved, market share has started to grow
– credit card cross-selling is in the final stages of preparation for launch in January, which will begin to provide us with great customer resources support
 
So on the evidence to date PAG has had a positive impact on the Bank, there is no reason to believe why this will not continue in the future. Indeed right now the future of the bank looks better and brighter than it has done for several years because we now have certainty about direction, about shareholding and strategy.

7)我是否需要担心未来,我如何能够确信上面所说的都会实现?

我们可以看一下在平安集团成为我行大股东的六个月里,我行所发生的变化,以及为银行的未来所制定的战略。因此,我们可以得出下述结论:

– 目前发生的变化都是积极的,也是很多同事认可和期望的

– 在现实的基础上,已建立了银行的未来发展战略

– 资本金状况得到改善,市场份额开始增长

– 信用卡交叉销售已经处于最后的准备阶段,将在一月份启动,这将给我行带来强大的客户资源支持

到目前为止,事实证明平安集团给银行带来了积极的影响,而且没有理由去怀疑这些积极影响会在未来停止。我们现在对银行的发展方向,股权结构和战略都更加肯定,与过去几年相比,银行的未来会更加光明。

——分界线——
附:温家宝总理出席外国专家迎春座谈会视频(内含杰克逊先生,翘二郎腿的那位便是)

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