某银行山东省分行国际业务差异化战略的应用研究

发布时间：2018-07-11 15:42

  本文选题：商业银行 + 国际业务　； 参考：《西安建筑科技大学》2016年硕士论文

【摘要】：当前国内外金融环境复杂多变,经济下行压力巨大,而国内商业银行国际业务同质化严重,在利率市场化、金融脱媒的趋势压力下,某银行山东省分行如何在与各银行的竞争中,保持国际业务竞争优势,形成自己的核心竞争力,是值得研究的命题。本文在竞争战略理论、差异化战略理论的基础上,结合目前国内银行差异化发展及转型趋势的讨论,运用PEST模型、行业五力模型对某商业银行面临的外部环境、在国际业务市场竞争中的地位以及自身内部资源和能力进行了分析。从而运用SWOT分析得出该行发展国际业务的优势、劣势、机会以及威胁。根据PEST分析结果,目前国内经济运行前低后稳,投资下降出口回升,国际收支趋于平衡,外汇政策方面逐渐简政放权,资本项目逐渐开放,社会方面消费结构升级农村经济发展迅速,外汇业务的技术支持飞跃发展。通过五力模型分析得出,山东省商业银行国际业务市场竞争较为激烈,竞争者众多,由于产品同质性严重,对大的购买者以及供应商的议价水平较低,长久来看潜在竞争者较多,但目前进入市场有一定壁垒,金融脱媒的问题使得替代品挤压发展空间。该行自身国际业务业务能力稳中上升,政策领悟执行情况优良,组织结构完善合理,有较强的国际业务基础。运用SWOT分析梳理出该银行的优势和劣势及其当前面临的机遇和挑战,在此基础上做出了该商业银行国际业务差异化竞争战略选择。提出某行山东省分行国际业务竞争战略的具体措施:(1)目标市场的差异化;(2)产品体系的差异化;(3)管理体制差异化;(4)改革创新经营模式;并通过(5)组织架构调整;(6)加强精细化管理和风险管控;(7)加强基础管理来保障差异化变革的实施。
[Abstract]:At present, the financial environment at home and abroad is complex and changeable, and the downward pressure on the economy is enormous. However, the international business of domestic commercial banks is becoming more homogeneous. Under the pressure of the trend of interest rate marketization and financial disintermediation, How to maintain the competitive advantage of international business and form its own core competence in the competition with each bank is a proposition worth studying. On the basis of the theory of competition strategy and the theory of differentiation strategy, combined with the discussion of the trend of development and transformation of domestic banking differentiation, this paper applies pest model and industry five force model to analyze the external environment faced by a commercial bank. The position in the international business market competition and its own internal resources and capabilities are analyzed. The SWOT analysis is used to analyze the advantages, disadvantages, opportunities and threats of the bank's international business development. According to the results of pest analysis, at present, before and after the domestic economic operation is low, the domestic economy stabilizes, the investment drops and exports rise, the international balance of payments tends to be balanced, the foreign exchange policy is gradually simplified and the power of power is delegated, and the capital account is gradually opened up. Social consumption structure upgrade rural economy rapid development, foreign exchange business technical support rapid development. Through the analysis of the five forces model, it is concluded that the international business market competition of Shandong commercial bank is more intense, and there are many competitors. Because of the serious homogeneity of products, the bargaining level for large buyers and suppliers is low. In the long run, there are many potential competitors, but at present there are certain barriers to entering the market. The problem of financial disintermediation makes the alternatives squeeze the development space. The bank's international business capability has risen steadily, the implementation of policy insight is good, the organizational structure is perfect and reasonable, and the bank has a strong international business foundation. Based on SWOT analysis, the author sorts out the advantages and disadvantages of the bank and the opportunities and challenges it faces at present, and then makes the strategic choice of the commercial bank's international differentiated competition. The specific measures of international business competition strategy of a certain branch of Shandong Province are put forward: (1) differentiation of target market; (2) differentiation of product system; (3) differentiation of management system; (4) reform of innovative business model; And through (5) organizational structure adjustment; (6) strengthen the fine management and risk management; (7) strengthen the basic management to ensure the implementation of differentiation change.
【学位授予单位】：西安建筑科技大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.2
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本文编号：2115723