CDR银行发展战略探讨

发布时间：2018-01-23 04:16

本文关键词： CDR银行中小银行农村商业银行战略规划分析　出处：《西南财经大学》2012年硕士论文　论文类型：学位论文

【摘要】：随着我国经济的快速发展,我国的商业银行得到了快速的发展。一方面表现在五大国有银行的规模、品种、经营范围迅速扩大,另一方面也表现中小银行数量迅速增加,规模迅速成长。目前主要国有银行、外资银行、股份制商业银行、财务公司、城市商业银行、农村商业银行、农村信用社、农村合作银行、村镇银行、小额贷款公司等多种银行业经营机构。各银行业经营机构从不同的方面、为国家生产、经济的服务。同时各银行经营机构之间的也在充满了日渐激烈的竞争。面对越来越激烈的竞争,各个银行纷纷拟订自己的战略计划,以期“有所为,有所不为”,“先人一步”,“高人一筹”,在竞争中取得胜利。作为CDR银行的一名中层管理者,笔者期望通过运用所学的EMBA知识,特别是战略管理理论知识,结合我国中商业银行的实际情况,将笔者参与拟定的CDR银行战略进行分析和探讨。全文共分为七个章节。第一章首先了介绍本文研究的背景、目的。第二章对战略管理理论作了详细综述。阐述了战略管理的含义、发展历史以及专属银行战略管理理论。第三章介绍CDR银行的情况。首先介绍了我国农村信用社的发展历程,再阐述了CDR银行所属的农村信用社的发展历程,然后对CDR银行的发展历程进行了简要的介绍,再对CDR银行经营宗旨、核心价值理念、管理理念、使命、经营原则、风险管理理念进行了介绍。最后对CDR银行组建、机构、人力资源和业务品种及经营业绩、社会荣誉进行了介绍。第四章利用SWOT模型、“波特五力”模型以及戴维斯模型对CDR银行进行分析,以此分析为基础,提出CDR银行发展战略,分为4个大层次：愿景、战略目标、业务战略和职能战略,本章详细介绍了愿景和战略目标。第五章详细对CDR银行业务战略进行阐述。业务战略包括产业战略、区域战略、客户战略、产品战略四个部分第六章详细对CDR银行职能战略进行阐述。职能战略包括营销战略、研发战略、生产战略、采购战略、人力资源战略和财务战略。第七章介绍了笔者对CDR银行三五八战略的思考并提出相应的战略调整机制,最后展现了CDR银行如今的战略实施情况和笔者对CDR银行不足之处提出的建议以及未来的展望。本文就CDR银行的中期战略进行了探讨。笔者在探讨的过程中,不仅仅只是从理论角度进行分析,而且结合了自己作为CDR银行的一名中级管理人员的实际经验和体会,也让自己对CDR银行的中期发展战略有了更深一步的认识和体会。期望本文能对业界提供一定的借鉴和参考,对正在或者即将进行战略规划的同行有所帮助。
[Abstract]:With the rapid development of our economy, the commercial banks of our country have got rapid development. On the one hand, the scale, variety and business scope of the five state-owned banks have expanded rapidly. On the other hand, the number of small and medium-sized banks is increasing rapidly and the scale is growing rapidly. At present, the main state-owned banks, foreign banks, joint-stock commercial banks, financial companies, urban commercial banks, rural commercial banks. Rural credit cooperatives, rural cooperative banks, village banks, microfinance companies and other banking institutions. Banking institutions from different aspects, production for the state. Economic services. At the same time, banks are also full of increasingly fierce competition. In the face of more and more fierce competition, banks have drawn up their own strategic plans in order to "do something." One step ahead of others, one step ahead of others, and victory in the competition. As a middle manager of CDR Bank, I hope to use the knowledge of EMBA, especially the theory of strategic management, combined with the actual situation of commercial banks in China. The author will participate in the development of CDR banking strategy for analysis and discussion. The full text is divided into seven chapters. The first chapter introduces the background and purpose of this paper. The second chapter summarizes the theory of strategic management in detail, expounds the meaning of strategic management, the history of development and the theory of strategic management of exclusive banks. The third chapter introduces the situation of CDR bank. Firstly, it introduces the development course of rural credit cooperatives in China, and then expounds the development process of rural credit cooperatives belonging to CDR bank. Then the development of the CDR Bank is briefly introduced, and then the CDR Bank business purposes, core values, management concepts, mission, business principles. The concept of risk management is introduced. Finally, the establishment, organization, human resources, business performance and social honor of CDR bank are introduced. Chapter 4th uses SWOT model, "Porter five forces" model and Davis model to analyze CDR Bank. Based on this analysis, the author puts forward the development strategy of CDR Bank, which is divided into four levels: vision. Strategic objectives, business strategies and functional strategies, this chapter describes the vision and strategic objectives in detail. Chapter 5th elaborates the CDR banking strategy in detail. The business strategy includes four parts: industrial strategy, regional strategy, customer strategy and product strategy. Chapter 6th describes the CDR banking function strategy in detail. The functional strategy includes marketing strategy, R & D strategy, production strategy, procurement strategy, human resources strategy and financial strategy. Chapter 7th introduces the author's thinking on the 358 strategy of CDR Bank and puts forward the corresponding strategic adjustment mechanism. Finally, the paper shows the implementation of CDR Bank's strategy and the suggestions and future prospects of the CDR Bank. In this paper, the medium-term strategy of CDR Bank is discussed. In the process of the discussion, the author not only analyzes it from a theoretical point of view. And combined with his own CDR bank as an intermediate manager of the actual experience and experience. It also makes me have a deeper understanding and experience of CDR Bank's medium-term development strategy. I hope this paper can provide some reference to the industry and help the peers who are planning or about to carry out strategic planning.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33

【共引文献】