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Banking and Capital Markets 

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The Banking and Capital Markets Sector in China, as in the rest of the world, faces the split challenges of balancing growth and risk with that of a continually developing and increasingly demanding market environment. New entrants, emerging technology, increasingly complex regulation and progression toward a more flexible approach to interest rates and currency policy setting place an unforeseen level of stress on all market participants.

In the face of this, our clients require carefully crafted business strategies and both practical and technical solutions to survive, yet alone excel, in both the domestic and international marketplace of banking and capital markets.

As one of the recognized leaders in providing professional services, Deloitte professionals are working with our banking and capital markets clients to develop and implement such strategies and solutions – we provide customized services drawn from our vast array of audit and assurance, taxation, risk compliance, regulatory and business transformation services. We focus our efforts at helping our clients combine the power of their people, their technology and their processes to lead in their markets. Our clients include state-owned banks, policy banks, joint equity banks, city and rural commercial banks as well as foreign banks operating in the Mainland and Hong Kong/Macau SAR. In addition we audit and advise a vast range of multi-national and domestic finance companies, leasing companies, securities firms and investment banks.

Supported by the Deloitte Global FSI network with a strong local presence deeply rooted in China, our subject matter specialists in the banking and capital markets teams bring with them industry experience and knowledge as well as functional expertise and competence to help address the complexity that today's financial institutions face. 

Featured publications

  • Trends in trade finance regulation / Dealing better with anti-money-laundering
    There are three new methods to more efficiently deal with all the new regulations on money laundering, terrorist financing and sanctions and Ivan Zasarsky, partner at Deloitte's Asia Pacific Financial Crime Strategy & Response Centre outlines further details in the feature article in the International Chamber of Commerce publication.
  • Listed Chinese Banks Results Analysis for 2017
    This report covers China's economic and financial overview, analyses the latest results of Chinese A-share and/or H-share listed banks in 2017, and provides an outlook of the Chinese banking sector for 2018.
  • 2018 banking and securities M&A outlook: Navigating trends in bank mergers and acquisitions
    This report examines banking M&A trends and expectations across banking, specialty finance, investment management and securities, and fintech.
  • Facing the future: an evolving landscape - Financial Services Regulatory Outlook 2018
    With the finalisation of Basel III, the regulatory agenda in Asia Pacific will now become firmly focused on the future. This paper sets out the top ten regulatory themes that the Deloitte Centre for Regulatory Strategy expects to dominate the financial services regulatory agenda in the region over the coming year.
  • Global bank governance in a structurally reformed world: Too complex to manage?
    This report from our Centre for Regulatory Strategy sets out the new reality for governing global banking groups in the context of structural reform and makes recommendations for where global banks should focus their energies in trying to tackle the challenges they face.
  • Beyond Fintech: A pragmatic assessment of disruptive potential in financial services 
    The World Economic Forum and Deloitte Global’s latest report studies the transformative role of fintech and other disruptive forces on the financial services industry. The report studies the impact of this disruption on the industry as a whole, as well as on seven sectors including payments, digital banking, lending, insurance, market infrastructure, investment management, and equity crowdfunding. Fintechs have defined the direction, shape, and pace of change across almost every financial services subsector. While they may not dominate the industry today, they have laid the foundation for future disruption.
  • Beyond Fintech: Disruptive innovation in payments
    Payments are migrating away from cash as consumers shift purchases to online and mobile channels. On one hand, heightened competition and a challenging regulatory environment are leading to steadily declining profits. On the other, customers are reluctant to switch to nontraditional payment schemes without seeing significant benefits, thereby limiting adoption of new technologies. What implications will these trends have on payment businesses?
  • Beyond Fintech: Disruptive innovation in digital banking
    Banking is on the cusp of significant disruption as regulations and technology begin to lay the foundation for a fundamental shift in the business model. Additionally, customers are expecting more value‐driven, personalized, and seamless service than ever before. How will this impact the digital banking landscape?
  • Beyond Fintech: Disruptive innovation in lending
    Lending has greatly evolved over the last several years with fintech playing a significant role in restructuring the lending landscape to be more dynamic and responsive. Fintechs are providing customers with pain-free lending services, and customers want the same unified experience with their banks. Additionally, consumers can choose from a host of financial and non‐financial providers. But, fintechs are struggling to find a sustainable business model in the face of funding instability.
  • Beyond Fintech: Disruptive innovation in market infrastructure
    Infrastructure underlying capital markets is rapidly changing with the global entry of several innovative forces that have the potential to change how transactions are being conducted. Traditional over-the-counter products are becoming electronic, but are not scaling due to fragmented regulatory and technological environments. In order to scale up and garner success, joint ventures and partnerships between fintechs and incumbents are key.
  • Beyond Fintech: Disruptive innovation in equity crowdfunding
    Equity crowdfunding has greatly evolved over the last several years. Crowdfunding platforms have grown rapidly with the demand from an increasing number of start-ups and private market investors seeking alternatives to venture capital. How will regulation converge to support this growth?
  • 2018 Banking Industry Outlook: Six themes driving banking industry trends
    For 2018 and beyond, banks must contend with multiple challenges tied to regulations, legacy systems, disruptive models and technologies, new competitors, and a restive customer base while pursuing new strategies for sustainable growth. Deloitte’s 2018 Banking Industry Outlook examines the six macro themes facing each of the industry’s five primary business segments in the coming 12-to-18 months. Firms that can address these emerging challenges and opportunities to effectively balance long-term goals with short-term performance pressures could be amply rewarded.
  • Newsletter Issue 2, 2017 - Targeted RRR reduction to promote inclusive finance
    Early evening on 30 September 2017, prior to the Chinese National Day, the People’s Bank of China (PBOC) announced to reduce the Reserve Requirement Ratio (RRR) targeted for the inclusive finance area starting from 2018.
  • Newsletter Issue 1, 2017 - Comment on deleveraging China
    China is trying to slow its credit scale and growth by deleveraging, with a focus on the high leverage of SOEs in industries with excess production capacity. To support this, the PBOC, China's Central Bank, has implemented the "half tightened policy" to adjust the monetary markets, creating funding cost increases whilst still keeping financial liquidity stable.