【摘要】：經(jīng)濟(jì)全球化發(fā)展使金融業(yè)面臨著國際化、市場化和知識化的三大發(fā)展趨勢。我國加入WTO后,隨著金融市場的不斷開放,全球金融服務(wù)貿(mào)易壁壘的逐步消除,技術(shù)先進(jìn)的外資銀行將陸續(xù)進(jìn)入我國市場,銀行業(yè)的競爭將日趨激烈。這對我國的銀行尤其是城市商業(yè)銀行構(gòu)成了極大威脅。 日照銀行從2000年成立以來,克服了包袱沉重、設(shè)施簡陋、社會認(rèn)同度不高等諸多困難,為地方經(jīng)濟(jì)建設(shè)做出巨大的貢獻(xiàn),成為日照市金融體系的重要部分。但由于自身存在的一些先天不足和社會經(jīng)濟(jì)環(huán)境的不斷改變,日照銀行的發(fā)展過程中出現(xiàn)了高端人才匱乏、金融產(chǎn)品種類不豐富,產(chǎn)品開發(fā)能力弱,網(wǎng)點相對集中,經(jīng)營區(qū)域限制、中間業(yè)務(wù)收入少等方面的問題,這些問題嚴(yán)重制約了日照銀行的下一步發(fā)展,影響了打造精品銀行的企業(yè)愿景的實現(xiàn)。 因此,本文主要采用SWOT分析方法,研究日照銀行的優(yōu)勢、劣勢、機(jī)會和威脅,對日照銀行的外部和內(nèi)部情況進(jìn)行了審視和分析,研究了日照銀行的現(xiàn)狀和其所處的內(nèi)外部環(huán)境,分析日照銀行所面臨的機(jī)遇和威脅,所就有的外部優(yōu)勢和內(nèi)部優(yōu)勢。討論了SO戰(zhàn)略(增長型戰(zhàn)略)、WT戰(zhàn)略(防御戰(zhàn)略)、ST戰(zhàn)略(調(diào)整戰(zhàn)略)、wO戰(zhàn)略(扭轉(zhuǎn)戰(zhàn)略)這四種戰(zhàn)略,制定了日照銀行發(fā)展戰(zhàn)略,“引進(jìn)境外戰(zhàn)略投資者、跨區(qū)域經(jīng)營、公開上市”,并提出實施對策。利用地區(qū)優(yōu)勢,當(dāng)?shù)匕l(fā)達(dá)的物流,發(fā)展物流銀行,實施人才培養(yǎng)工程,重視人力資源儲備,組建完善的科技體系,提供技術(shù)保障,深入細(xì)化,試點建設(shè)社區(qū)銀行,擴(kuò)充網(wǎng)點資源,抓住鄉(xiāng)鎮(zhèn)市場,做好服務(wù)品牌,提高客戶忠誠度。實現(xiàn)規(guī)模與效益、速度與效率有機(jī)統(tǒng)一的全面發(fā)展。
[Abstract]:With the development of economic globalization, the financial industry is faced with three trends: internationalization, marketization and intellectualization. After China's entry into WTO, with the continuous opening of the financial market and the gradual elimination of trade barriers to global financial services, foreign banks with advanced technology will gradually enter the market of our country, and the competition of the banking industry will be fierce day by day. This poses a great threat to the banks of our country, especially the city commercial banks. Since its establishment in 2000, Rizhao Bank has overcome many difficulties such as heavy burden, poor facilities and low social identity. It has made great contributions to local economic construction and has become an important part of Rizhao City's financial system. However, due to some inherent deficiencies and constant changes in the socio-economic environment, the development of Rizhao Bank has seen a lack of high-end talents, a lack of financial products, weak product development capacity, and a relatively concentrated network. The limitation of operation area and the low income of intermediate business seriously restrict the future development of Rizhao Bank and affect the realization of the corporate vision of building a boutique bank. Therefore, this paper mainly uses the SWOT analysis method to study the advantages, disadvantages, opportunities and threats of Rizhao Bank, examines and analyzes the external and internal situation of Rizhao Bank, and studies the present situation of Rizhao Bank and the internal and external environment in which Rizhao Bank is located. Analysis of the opportunities and threats faced by Rizhao Bank, there are external advantages and internal advantages. This paper discusses the SO strategy (growth strategy), WT strategy (defense strategy), ST strategy (adjustment strategy), wO strategy (reverse strategy), formulates the development strategy of Rizhao Bank, "introduces foreign strategic investors," Cross-regional operation, public listing, and put forward the implementation of countermeasures. Take advantage of regional advantages, develop local logistics, develop logistics banks, carry out talent training projects, attach importance to human resources reserves, set up a sound science and technology system, provide technical support, deepen refinement, and pilot build community banks. Expand the network resources, seize the township market, do a good service brand, improve customer loyalty. Realize the scale and benefit, the speed and the efficiency organically unifies the all-round development.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.2

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