本文關(guān)鍵詞：建設(shè)銀行揚(yáng)州分行對(duì)公業(yè)務(wù)戰(zhàn)略轉(zhuǎn)型研究　出處：《揚(yáng)州大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 對(duì)公業(yè)務(wù) 戰(zhàn)略轉(zhuǎn)型 進(jìn)攻型戰(zhàn)略

【摘要】：實(shí)施戰(zhàn)略轉(zhuǎn)型是商業(yè)銀行在金融競(jìng)爭(zhēng)、金融脫媒、利率市場(chǎng)化、金融環(huán)境變化、金融監(jiān)管強(qiáng)化、信息技術(shù)發(fā)展的背景下的共同選擇。對(duì)公業(yè)務(wù)的戰(zhàn)略轉(zhuǎn)型研究有利于促進(jìn)銀行業(yè)務(wù)結(jié)構(gòu)調(diào)整,助推銀行整體經(jīng)營(yíng)戰(zhàn)略轉(zhuǎn)型,有利于打造客戶營(yíng)銷平臺(tái),實(shí)現(xiàn)市場(chǎng)營(yíng)銷集約化,有利于鞏固業(yè)務(wù)優(yōu)勢(shì),搶占新興市場(chǎng)領(lǐng)域,打造未來(lái)競(jìng)爭(zhēng)優(yōu)勢(shì),是提高盈利能力的重要戰(zhàn)略舉措。本文首先分析指出存貸差的盈利模式是商業(yè)銀行對(duì)公業(yè)務(wù)的傳統(tǒng)模式,但隨著利率市場(chǎng)化進(jìn)程加快、直接融資快速發(fā)展與金融脫媒加劇、資本約束不斷加強(qiáng)以及客戶需求的多樣化等給傳統(tǒng)商業(yè)銀行盈利模式和市場(chǎng)競(jìng)爭(zhēng)帶來(lái)了前所未有的挑戰(zhàn),傳統(tǒng)業(yè)務(wù)模式的弊端凸顯。作為建設(shè)銀行的二級(jí)分行,建行揚(yáng)州分行除擁有建行傳統(tǒng)的特色化經(jīng)營(yíng)戰(zhàn)略、強(qiáng)化集中的資源配置戰(zhàn)略、先行進(jìn)取的改革創(chuàng)新戰(zhàn)略等戰(zhàn)略優(yōu)勢(shì)外,自身的資源稟賦在于產(chǎn)業(yè)技術(shù)優(yōu)勢(shì)、經(jīng)營(yíng)能力優(yōu)勢(shì)、人力資源優(yōu)勢(shì)、集約經(jīng)營(yíng)水平優(yōu)勢(shì)等�；谏鲜鰬�(zhàn)略轉(zhuǎn)型的必要性分析,本文運(yùn)用SWOT分析法對(duì)建行揚(yáng)州分行對(duì)公業(yè)務(wù)的優(yōu)勢(shì)、劣勢(shì)、機(jī)會(huì)和威脅進(jìn)行了梳理和識(shí)別,得出建行揚(yáng)州分行的對(duì)公業(yè)務(wù)戰(zhàn)略應(yīng)采取進(jìn)攻型的OS戰(zhàn)略的結(jié)論,建行可通過(guò)對(duì)公業(yè)務(wù)戰(zhàn)略轉(zhuǎn)型鞏固和強(qiáng)化未來(lái)競(jìng)爭(zhēng)優(yōu)勢(shì)。結(jié)合建行揚(yáng)州分行當(dāng)前對(duì)公業(yè)務(wù)發(fā)展實(shí)際,以差異化戰(zhàn)略為基礎(chǔ),提出要打造建行特色化戰(zhàn)略、綜合化戰(zhàn)略、國(guó)際化戰(zhàn)略、轉(zhuǎn)型創(chuàng)新戰(zhàn)略,并設(shè)計(jì)和制定了具體的對(duì)公業(yè)務(wù)戰(zhàn)略轉(zhuǎn)型方案及對(duì)轉(zhuǎn)型方案的保證和控制措施。通過(guò)對(duì)公業(yè)務(wù)的戰(zhàn)略轉(zhuǎn)型研究,希望能促進(jìn)建行揚(yáng)州分行對(duì)公業(yè)務(wù)持續(xù)、穩(wěn)定、健康發(fā)展,繼續(xù)保持建行揚(yáng)州分行的區(qū)域競(jìng)爭(zhēng)優(yōu)勢(shì),同時(shí)為建行揚(yáng)州分行各基層行發(fā)展對(duì)公業(yè)務(wù)提供借鑒。
[Abstract]:The implementation of strategic transformation is the commercial banks in financial competition, financial disintermediation, interest rate marketization, financial environment changes, financial supervision and strengthening. Under the background of the development of information technology, the study on the strategic transformation of the public business is conducive to promoting the adjustment of the banking business structure, promoting the strategic transformation of the whole operation of the bank, and creating the customer marketing platform. The realization of intensive marketing will help to consolidate the business advantages, seize the emerging market areas, and build the future competitive advantage. It is an important strategic measure to improve profitability. Firstly, this paper points out that the profit model of the difference between deposit and loan is the traditional mode of commercial banks' public business, but with the acceleration of interest rate marketization process. The rapid development of direct financing and the intensification of financial disintermediation, the constant strengthening of capital constraints and the diversification of customer demand have brought unprecedented challenges to the traditional commercial banks' profit model and market competition. As the secondary branch of CCB, the Yangzhou Branch of CCB not only has the traditional characteristic management strategy of CCB, but also strengthens the centralized resource allocation strategy. In addition to the strategic advantages of pioneering reform and innovation strategy, its own resource endowment lies in the advantages of industry technology, management ability and human resources. Based on the analysis of the necessity of the above strategic transformation, this paper uses SWOT analysis to comb and identify the strengths, weaknesses, opportunities and threats of Yangzhou Branch of China Construction Bank. Draw the conclusion that the Yangzhou branch of CCB should adopt the offensive OS strategy for the public business strategy. CCB can consolidate and strengthen the future competitive advantage through the strategic transformation of public business. Combined with the actual development of CCB Yangzhou Branch, based on the differentiation strategy, the paper puts forward the characteristic strategy of CCB. Comprehensive strategy, internationalization strategy, transformation and innovation strategy, and the design and formulation of specific public business strategy transformation program and the transformation of the programme assurance and control measures. Through the strategic transformation of public business research. It is hoped to promote the sustained, stable and healthy development of Yangzhou branch of CCB, to maintain the regional competitive advantage of Yangzhou branch of CCB, and to provide reference for the development of public business at the grass-roots level of Yangzhou branch of CCB.
【學(xué)位授予單位】：揚(yáng)州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.2

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