中国工商银行内蒙古分行零售业务竞争战略研究

发布时间：2018-07-18 12:39

【摘要】：商业银行零售业务与寻常百姓有千丝万缕的联系,同时亦是商业银行主动迎接变化与挑战的制胜关键,各家银行纷纷将零售业务作为经营转型的重点。面对监管政策环境的重大调整以及经济、社会、文化、技术等各领域的显著变化,中国工商银行内蒙古分行虽坐拥规模庞大、行业领先的客户资源、产品资源、渠道资源、技术资源、人力资源等,但日趋激烈的同业竞争、日趋繁荣的互联网金融发展以及自身存在的问题与不足使得中国工商银行内蒙古分行必须进一步明确零售业务发展的竞争战略,从而赢得竞争优势。本文首先进行了中国工商银行内蒙古分行零售业务分析,通过PEST分析、波特五力模型、SWOT矩阵等方法详尽分析了中国工商银行内蒙古分行零售业务发展所处的内外部环境及其面临的机会、威胁、优势和劣势,明确中国工商银行内蒙古分行应该针对金融资产20万元-100万元的优质客户及金融资产20万元以下的普通客户分别采取差异化战略与成本领先战略,并从渠道建设、技术支持、员工培训、队伍建设、风险防控等方面设计战略保障措施。
[Abstract]:The retail business of commercial banks is inextricably linked with ordinary people, and it is also the key for commercial banks to take the initiative to meet the changes and challenges. In the face of the major adjustment of the regulatory policy environment and the remarkable changes in the economic, social, cultural, technological and other fields, the Inner Mongolia Branch of the Industrial and Commercial Bank of China (ICBC) has a large scale, leading customer resources, product resources, and channel resources. Technical resources, human resources, etc., but increasingly fierce competition in the same industry, With the booming development of Internet finance and its own problems and shortcomings, the Inner Mongolia Branch of ICBC must further clarify the competitive strategy of retail business development to win the competitive advantage. This paper firstly analyzes the retail business of Industrial and Commercial Bank of China Inner Mongolia Branch, through pest analysis, Porter's five-force model and SWOT matrix are used to analyze in detail the internal and external environment for the retail business development of ICBC Inner Mongolia Branch and its opportunities, threats, strengths and weaknesses. It is clear that ICBC Inner Mongolia Branch should adopt differentiation strategy and cost leading strategy for high-quality customers with financial assets of 200000 yuan to 1 million yuan and ordinary customers with financial assets below 200000 yuan, and build channels and provide technical support. Staff training, team building, risk prevention and control and other aspects of the design of strategic safeguards.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.2

【相似文献】