《金融道-叁》内容简介

　　这是一个瞬息万变的时代，银行所处的内外部环境不断变化，尤其是当前经济下行期诸多不确定因素的存在，以及互联网金融的发展和利率市场化的趋势，使得传统银行业遭遇了极大的冲击和挑战。在这种情况下，金融改革往何处去，银行如何求得生存与发展，寻找新的利润增长点，成为的银行家们都很关注的事情。而目前正发展得如火如荼的社区银行，无疑是其中一个重要的方向和趋势。但是，目前中国社区银行的发展，已经暴露出明显的经验不足的弱点。

　　本书由安快银行首席执行官雷戴维斯所写，阐述和分享安快银行发展社区银行，在这种不确定性中前瞻市场、前行的经验。安快银行是美国社区银行，在2008年开始的那场经济危机中，它不但没有萎缩，反而从哀鸿一片的金融市场脱颖而出，企业规模与资产规模都大大增加，成就为世界所瞩目。

　　在市场环境早已发生改变的时候，的银行还很少能应对这种变化，真正去研究当下的客户消费心理和需求，真正去做管理、战略，乃至商业模式上的整体创新。在这方面，雷戴维斯及其领导下的安快银行的成功经验，将能够给中国的银行业乃至所有企业带来启发，帮助它们在充满不确定的新市场环境下生存与发展壮大，同时给中国金融改革和银行业发展提供新的思路。

　　作者简介

　　雷戴维斯：安快银行控股公司（安快银行的母公司）的总裁兼行政执行官，银行业中顺应变化的先驱。他给银行到底如何去观察、去感觉、去发声、去经营，带来了一场革命。戴维斯将一个小型的只有六家门店的区域性银行打造成美国具创新性、有活力的社区银行之一。他被美国无数的出版物和媒体所认可，包括：《华尔街日报》、《纽约时报》、《快公司》、《商业周刊》、《商业2.0》、《新闻周刊》、美国全国广播公司财经频道等。此外，他还著有《谋求发展群伦——安快银行如何不断成长并打造的文化》一书。戴维斯被美国《银行家》杂志誉为高端金融业中具影响力的25巨头之一。

Introduction to the content of "Financial Dao - 3"

This is an era of rapid change, the internal and external environment of banks is constantly changing, especially the existence of many uncertain factors in the current economic downturn, the development of Internet finance and the trend of interest rate liberalization, so that the traditional banking industry has encountered great impacts and challenges. In this case, where the financial reform is going, how to survive and develop banks, and how to find new profit growth points have become a matter of great concern to bankers. The community bank, which is currently developing in full swing, is undoubtedly one of the important directions and trends. However, the current development of Chinese community banks has exposed the weakness of obvious inexperience.

This book, written by Ray Davis, CEO of Ankuai Bank, explains and shares Ankuai Bank's experience in developing community banks and moving forward in this uncertainty. Ankuai Bank is an American community bank, in the economic crisis that began in 2008, it did not shrink, but stood out from the sad financial market, the size of the enterprise and the size of assets are greatly increased, the achievement of the world's attention.

When the market environment has already changed, banks are rarely able to cope with such changes, truly study the current consumer psychology and needs of customers, and truly innovate in management, strategy, and even business models. In this regard, the successful experience of Ray Davis and Ankuai Bank under his leadership will be able to inspire China's banking industry and even all enterprises, help them survive and grow in the uncertain new market environment, and provide new ideas for China's financial reform and banking development.

About the author

Ray Davis: President and Chief Executive Officer of the Bank Holding Company (parent company of the Bank) and a pioneer of change in the banking industry. He revolutionized how banks saw, felt, spoke and operated. Davis built a small, six-store regional bank into one of the most innovative and dynamic community banks in the United States. He has been recognized by numerous publications and media outlets in the United States, including: The Wall Street Journal, The New York Times, Fast Company, BusinessWeek, Business 2.0, Newsweek, CNBC, and others. In addition, he is the author of the book "The Quest for Social Development - How Ankuai Bank continues to Grow and Build a Culture." Davis was named by the Banker magazine as one of the 25 most influential people in high finance.