杭州城市商业银行发展战略研究

发布时间：2018-07-15 21:55

【摘要】：目前,中国银行业的一个最突出的问题,是同质化倾向。不同类型的银行,目标市场是一样的,集中在垄断行业、大型项目，而中小企业这个市场的空缺却很少有银行花时间去关注。城市商业银行由于拥有管理链条短、传输信息快,以及了解当地市场的特点,可以有效快速的占领目标市场,较好地解决与客户信息不对称所产生的道德风险问题。如果城市商业银行继续发扬传统优势是明智的,可以收到更好的效果。本文基于企业战略管理理论和市场营销理论，采取理论与实践相结合的方法，在总结国外中小银行发展经验的基础上，从市场定位入手探讨我国城市商业银行的发展模式。进而以杭州银行为例，在综合分析内外部环境的基础上，明确杭州银行的战略选择与市场定位，并提出相关措施以保障战略目标的实现。本文的内容主要有七章：第一章，介绍。本章主要从三个方面来进行阐述：（1）从实际的情况出发，将研究的意义进行阐述；(2)采取适当的方法对存在的问题进行解决；（3）阐明具体的研究思路和方法。第二章，总结了中国城市商业银行的发展模式。本章首先通过理论分析影响中小银行的发展因素,和外国中小银行发展的成功经验进行了综述。在此基础上,探讨中国城市商业银行的发展方向,总结三种不同的发展模式。第三章，分析杭州银行的竞争环境。本章使用波特的“五种力量模型”来对商业银行的竞争情况分析,思考杭州银行在发展中出现的机遇和挑战。第四章,分析杭州银行的内部力量。本章主要介绍了杭州银行总体的发展,以及其优点和缺点。第五章,杭州银行发展战略定位。结合前文对城市商业银行发展模式的研究以及杭州银行SWOT分析的结果，，做出杭州银行的战略定位选择，明确了业务定位与跨区域发展定位，提出了未来的发展目标。第六章，杭州银行战略的实施策略。根据杭州银行的战略定位与目标，综合分析各方面的情况，提出相应的实施措施。第七章，结论。总结本文的主要研究成果。
[Abstract]:At present, one of the most prominent problems in China's banking industry is homogeneity. The target market for different types of banks is the same, focusing on monopolies, large projects, and small and medium-sized enterprises, which have little time to focus on. Because of the short chain of management, the fast transmission of information and the understanding of the characteristics of the local market, the city commercial banks can effectively and quickly occupy the target market and solve the moral hazard problem caused by the asymmetry of customer information. If the city commercial bank continues to carry on the tradition superiority is wise, can obtain the better effect. Based on the enterprise strategic management theory and marketing theory, this paper adopts the method of combining theory with practice, and on the basis of summing up the development experience of foreign small and medium-sized banks, discusses the development mode of our country's urban commercial banks from the market orientation. Then taking Hangzhou Bank as an example, on the basis of comprehensive analysis of internal and external environment, this paper clarifies the strategic choice and market positioning of Hangzhou Bank, and puts forward relevant measures to ensure the realization of strategic objectives. The main contents of this paper are seven chapters: chapter one, introduction. This chapter mainly from three aspects to elaborate: (1) from the actual situation, the significance of the study is expounded; (2) to take appropriate methods to solve the existing problems; (3) to clarify the specific research ideas and methods. The second chapter summarizes the development model of China's urban commercial banks. In this chapter, the factors influencing the development of small and medium banks and the successful experiences of foreign small and medium banks are summarized. On this basis, the development direction of China's urban commercial banks is discussed, and three different development models are summarized. Chapter three analyzes the competitive environment of Hangzhou Bank. This chapter uses Porter's "five forces model" to analyze the competitive situation of commercial banks and consider the opportunities and challenges of Hangzhou Bank in the development. Chapter four analyzes the internal strength of Hangzhou Bank. This chapter mainly introduces the overall development of Hangzhou Bank, as well as its advantages and disadvantages. Chapter five, the development strategy of Hangzhou Bank. Based on the research on the development model of city commercial bank and the result of SWOT analysis of Hangzhou Bank, this paper makes the strategic positioning choice of Hangzhou Bank, clarifies the business orientation and cross-regional development orientation, and puts forward the future development goal. The sixth chapter, the implementation strategy of Hangzhou Bank. According to the strategic orientation and target of Hangzhou Bank, this paper comprehensively analyzes the situation of various aspects and puts forward the corresponding implementation measures. Chapter VII, conclusion. Summarize the main research results of this paper.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

【参考文献】