H市商业银行发展战略研究

发布时间：2018-01-08 21:16

本文关键词：H市商业银行发展战略研究　出处：《上海交通大学》2015年硕士论文　论文类型：学位论文

更多相关文章： H市商业银行 金融战略 SWOT 风险防范

【摘要】：城市商业银行是中国银行业的重要组成部分,随着我国经济进行全面深化改革,城市商业银行的外部环境发生了深刻变化。H市商业银行是一家极具发展潜力的城市商业银行,1997年成立于M省,经过十余年的发展,综合实力已成为M省城市商业银行中的前五名。但由于当前经济增长速度的放缓,银行业的竞争日益激烈,银行产品和服务同质化现象严重,这为H市商业银行的发展带来巨大的压力。为了应对挑战,实现综合实力的跨跃式增长,H市商业银行需要制定科学的战略,来指导未来5年的发展。本文以H市商业银行为研究对象,运用战略管理相关理论和SWOT分析等方法,首先对H市商业银行的内外部环境以及竞争的优劣势进行了分析,阐述了现有的情况以及核心竞争力,在此基础上提出了未来5年发展的总体思路、战略目标、战略重点以及实施步骤,并研究了发展战略实施的具体策略,主要包括提出了走“特色经营、创新驱动、错位竞争”的发展之路,以业务提升、引入战略合作者、风险管控、合规建设、精细化管理、企业文化建设为工作重点,构建“小微金融领先”的核心竞争力,保证其行业定位、发展目标的实现。本论文研究成果对于H市商业银行制定今后5年发展战略规划具有指导意义和显著的实际应用价值,对相关银行业进行战略思考也具有一定的借鉴作用。
[Abstract]:City commercial bank is an important part of China's banking industry, with the overall deepening of the reform of China's economy. The external environment of city commercial bank has changed profoundly. H city commercial bank is a city commercial bank with great development potential. It was founded in M province in 1997 and has been developed for more than ten years. The comprehensive strength has become the top five of the city commercial banks in M province. However, due to the slowdown of the current economic growth rate, the competition of the banking industry is becoming increasingly fierce, and the phenomenon of homogeneity of bank products and services is serious. This brings great pressure to the development of commercial bank of H city. In order to meet the challenge, to realize the leap growth of comprehensive strength, the commercial bank of H city needs to formulate scientific strategy. In order to guide the development of the next five years, this paper takes H City Commercial Bank as the research object, using the relevant theory of strategic management and SWOT analysis and other methods. First of all, the paper analyzes the internal and external environment of commercial banks in H city and the advantages and disadvantages of competition, expounds the existing situation and core competitiveness, on the basis of which puts forward the overall thinking and strategic objectives of the development in the next five years. Strategic focus and implementation steps, and studied the implementation of development strategy specific strategies, mainly including the development of "characteristic management, innovation driven, dislocation competition" to improve the business. Introducing strategic partners, risk management, compliance construction, fine management, corporate culture construction as the focus of work, to build "small and micro finance leading" core competitiveness, to ensure its industry positioning. The achievement of the development goal. The research result of this paper has the guiding significance and the remarkable practical application value for the H city commercial bank to formulate the development strategy plan in the next five years. The strategic thinking on the related banking industry also has certain reference function.
【学位授予单位】：上海交通大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33

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