發(fā)布時間：2018-04-06 20:23

  本文選題：零售銀行　切入點：競爭戰(zhàn)略　出處：《內(nèi)蒙古大學》2017年碩士論文

【摘要】：隨著我國經(jīng)濟進入新常態(tài),利率市場化的基本完成,商業(yè)銀行原先依靠傳統(tǒng)的大客戶賺取存貸利差的盈利模式已難以為繼,銀行間的競爭日趨激烈。零售銀行業(yè)務由于其具備的客戶穩(wěn)定、資本占用低、風險較小、收益穩(wěn)定等特點,逐步成為各家銀行業(yè)務轉(zhuǎn)型發(fā)展的重點。包商銀行作為一家地方法人銀行,以"立足地方、服務本地居民和小微客戶"為己任,零售銀行業(yè)務是該行未來發(fā)展的重點。如何更加全面分析研判自身所處的外部環(huán)境,發(fā)現(xiàn)其中的機遇和威脅,找尋自身存在的優(yōu)勢和不足,確定切合自身實際發(fā)展需要的零售銀行業(yè)務競爭戰(zhàn)略至關重要。本文將對該行的外部環(huán)境、內(nèi)部條件進行深入客觀的分析,探索出在當前經(jīng)濟金融環(huán)境下,如何確定零售銀行業(yè)務競爭戰(zhàn)略,以便獲得競爭優(yōu)勢。本文在對國內(nèi)外研究文獻總結梳理的基礎上,以包商銀行零售銀行業(yè)務為切入點,運用競爭戰(zhàn)略的相關理論知識,通過對其所處的外部宏觀環(huán)境、行業(yè)環(huán)境等方面的深入分析,指出了該行在發(fā)展零售銀行業(yè)務中既面臨宏觀經(jīng)濟發(fā)展方式轉(zhuǎn)變、地區(qū)經(jīng)濟快速增長、信息技術發(fā)展帶來的巨大市場需求和發(fā)展機遇,又面臨著混業(yè)經(jīng)營、客戶需求多樣化、外部競爭日趨激烈等帶來的挑戰(zhàn)和威脅。通過對其自身具備的資源和條件的深入剖析,得出了該行在競爭戰(zhàn)略、組織架構、地域環(huán)境、政府支持等方面具備較強的競爭優(yōu)勢,但在產(chǎn)品創(chuàng)新、渠道服務、資產(chǎn)規(guī)模、信息開發(fā)等方面仍存在較大的不足。運用SWOT矩陣分析法,形成了四種不同的戰(zhàn)略方案,根據(jù)該行當前零售銀行業(yè)務發(fā)展實際,對比各種方案的優(yōu)缺點,得出該行應采取差異化的競爭策略,并指出產(chǎn)品、服務、渠道和市場四個方面將是該行未來差異化競爭的戰(zhàn)略重點。最后,本文從人才培養(yǎng)、系統(tǒng)開發(fā)、產(chǎn)品創(chuàng)新、渠道建設等方面提出了明確的實施措施。以期為包商銀行零售銀行業(yè)務的發(fā)展提供有意義的參考咨詢。
[Abstract]:With China's economy entering the new normal and the basic completion of interest rate marketization, commercial banks have been unable to continue to rely on the traditional profit model of large customers to earn deposit and loan interest rate difference, and the competition among banks is becoming increasingly fierce.Because of its stable customers, low capital occupation, low risk and stable income, retail banking business has gradually become the focus of the transformation and development of banking business.As a local corporate bank, the contractor bank is responsible for "serving local residents and small customers". Retail banking is the focus of the bank's future development.It is very important to analyze and judge the external environment, find out the opportunities and threats, find out the advantages and disadvantages, and determine the competitive strategy of retail banking.This paper analyzes the external environment and internal conditions of the bank and explores how to determine the competitive strategy of retail banking in the current economic and financial environment in order to obtain the competitive advantage.On the basis of summarizing and combing the domestic and foreign research literature, this paper takes the retail banking business of the contractor bank as the breakthrough point, applies the relevant theory knowledge of the competition strategy, through the deep analysis of the external macro environment, the industry environment and so on.It is pointed out that the bank is faced with the transformation of macroeconomic development mode, the rapid growth of regional economy, the huge market demand and development opportunity brought by the development of information technology, the mixed operation and the diversification of customer demand in the development of retail banking business.The challenges and threats brought by the increasingly fierce external competition.Through in-depth analysis of its own resources and conditions, it is concluded that the bank has a strong competitive advantage in competition strategy, organizational structure, regional environment, government support and so on, but in product innovation, channel service, asset scale, etc.There are still some shortcomings in information development.By using SWOT matrix analysis method, four different strategic plans are formed. According to the actual development of retail banking business in this bank, comparing the advantages and disadvantages of various schemes, the paper draws the conclusion that the bank should adopt the differentiated competitive strategy, and point out the products and services.The four aspects of channel and market will be the strategic focus of the future differentiation competition of the bank.Finally, this paper puts forward some specific implementation measures from the aspects of personnel training, system development, product innovation, channel construction and so on.In order to provide a meaningful reference for the development of the retail banking business of the contractor bank.
【學位授予單位】：內(nèi)蒙古大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.2

【相似文獻】

相關期刊論文 前10條

1 于蓉,李鳳章;九十年代發(fā)達國家零售銀行業(yè)務的新變化[J];金融教學與研究;2000年03期

2 史永安,金夷;從深圳發(fā)展零售銀行業(yè)務前瞻農(nóng)信社競爭[J];中國農(nóng)村信用合作;2002年07期

3 劉志強;關于發(fā)展零售銀行業(yè)務的幾點思考[J];中國金融;2003年05期

4 周明;透析中國零售銀行業(yè)務之六大現(xiàn)象[J];中國信用卡;2004年01期

5 陳兵;林剛;廖海音;;中小股份制商業(yè)銀行零售銀行業(yè)務發(fā)展策略研究[J];福建金融;2005年12期

6 孫露;周秀;;結合國外經(jīng)驗,探析我國零售銀行業(yè)務發(fā)展的重點和難點[J];當代經(jīng)理人;2006年21期

7 劉振海;;對我國加快發(fā)展零售銀行業(yè)務的思考[J];中國金融;2007年09期

8 蔡榮;;零售銀行業(yè)務核心要素變革的國際經(jīng)驗及啟示[J];金融經(jīng)濟;2007年20期

9 李慶萍;陸益美;;全面聚焦零售銀行業(yè)務轉(zhuǎn)型[J];農(nóng)村金融研究;2008年12期

10 李菊;;試論發(fā)展零售銀行業(yè)務是中小股份制商業(yè)銀行的有效選擇[J];理論界;2008年12期

相關會議論文 前1條

1 陸靜;;運用貝葉斯網(wǎng)絡方法構建操作風險預警系統(tǒng)——以零售銀行業(yè)務為例[A];第八屆中國管理科學學術年會論文集[C];2006年

相關重要報紙文章 前10條

1 法文;德國：零售銀行業(yè)務時來運轉(zhuǎn)[N];金融時報;2003年

2 陳曉東;零售銀行業(yè)務：農(nóng)行戰(zhàn)略轉(zhuǎn)型的必然選擇[N];中國城鄉(xiāng)金融報;2008年

3 記者 董瀟;黃金老：零售銀行業(yè)務面臨四大挑戰(zhàn)[N];中華工商時報;2013年

4 記者顧惠忠;民生銀行擬擴大零售銀行業(yè)務[N];中國證券報;2003年

5 李峻嶺;發(fā)展零售銀行業(yè)務要過“四道關”[N];國際金融報;2005年

6 本報記者 梁樺;轉(zhuǎn)型將成為零售銀行業(yè)務新模式[N];經(jīng)濟日報;2005年

7 記者單羽青;花旗銀行發(fā)力中國個人金融零售銀行業(yè)務[N];中國經(jīng)濟時報;2005年

8 潘z，

本文編號：1718769