工商银行陕西分行GX支行核心竞争力提升研究

发布时间：2018-06-22 18:25

本文选题：工商银行 + 竞争力　；参考：《西北大学》2013年硕士论文

【摘要】：自2001年中国加入世贸组织以来,随着各种类型银行的出现,金融体制改革影响着我国银行业进一步发展的方向。同时,这也深刻地改变着中国的银行业。首先,银行类型多样化。各类外资银行在我国设立分支机构。其次,银行业务多元化。各种创新业务将银行业发展到一个前所未有的高度,促使它们转向通用金融机构。再次,银行客户出现分化。对于不同类型的客户群体,每个银行正试图制定相应的金融服务方案。客户细分标志着银行业已进入成熟发展的阶段。本文以核心竞争力的基本概念为出发点,对工商银行核心竞争力的内涵、特征及其构成要素等进行梳理和概括,为研究工商银行陕西分行GX支行核心竞争力提供理论上的支持。首先对工商银行陕西分行GX支行核心竞争力的内涵及其内容进行了界定,并对工商银行陕西分行GX支行核心竞争力现状、存在问题以及问题的成因进行了深入地剖析,通过SWOT分析法明确工商银行陕西分行GX支行的竞争策略选择。依据工商银行核心竞争力的相关理论,结合行情实际,为中国工商银行陕西省分行GX分支核心竞争力建设设计了方案。同时,为了使方案得以顺利实施,提出了机制、人力和文化等三个方面的保障措施。最后,在综合分析的基础上,得出了文章的结论。本文的研究重点是通过构建银行竞争力评价的指标体系,利用层次分析法,从规模、盈利能力、资产质量、管理能力和外部环境竞争力五个主要元素对中国工商银行陕西分行GX支行进行具体评估,进一步明确了导致中国工商银行陕西分行来GX分支缺乏竞争力的主要原因,比如服务效率低下、不良贷款率较高、缺乏创新等因素。最后提出了通过扩大资产规模,拓展利润空间,提高资产质量,加强内部控制以有效地提升核心竞争力的措施。
[Abstract]:Since China joined the WTO in 2001, with the emergence of various types of banks, the reform of the financial system has affected the direction of further development of China's banking industry. At the same time, this also profoundly changes China's banking industry. First, the types of banks are diversified. All kinds of foreign banks set up branches in China. Second, the banking business diversification. Innovative businesses have pushed banking to an unprecedented height, prompting them to switch to general-purpose financial institutions. Again, bank customers appear differentiation. For different types of clients, each bank is trying to develop a corresponding financial services program. Customer segmentation indicates that the banking industry has entered a mature stage of development. Taking the basic concept of core competence as the starting point, this paper combs and generalizes the connotation, characteristics and components of the core competence of ICBC in order to provide theoretical support for the study of the core competence of GX Branch of ICBC Shaanxi Branch. Firstly, it defines the connotation and content of the core competence of the GX branch of ICBC Shaanxi Branch, and deeply analyzes the present situation, existing problems and causes of the problems in the GX Branch of ICBC Shaanxi Branch. Through SWOT analysis to determine the ICBC Shaanxi Branch GX Branch competitive strategy choice. According to the relevant theory of ICBC's core competence and market practice, this paper designs a scheme for the construction of core competence of ICBC Shaanxi Branch's GX branch. At the same time, in order to make the scheme carry out smoothly, this paper puts forward three aspects of safeguard measures: mechanism, manpower and culture. Finally, on the basis of comprehensive analysis, the conclusion of the article is drawn. The research focus of this paper is to build the index system of bank competitiveness evaluation, using AHP, from the scale, profitability, asset quality, The five main elements of management ability and external environmental competitiveness have made a concrete evaluation on the GX branch of ICBC Shaanxi Branch, further clarifying the main reasons for the lack of competitiveness of ICBC Shaanxi Branch in GX Branch. For example, service efficiency is low, non-performing loan rate is high, lack of innovation and other factors. Finally, the paper puts forward some measures to effectively enhance the core competitiveness by expanding the scale of assets, expanding profit space, improving the quality of assets and strengthening internal control.
【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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