长沙银行小微企业金融业务竞争战略研究

发布时间：2018-02-15 01:39

本文关键词： 小微企业小微金融长沙银行竞争战略　出处：《湖南大学》2015年硕士论文　论文类型：学位论文

【摘要】：在市场经济快速发展的大背景下,小微企业已经成为一支不可忽视的生力军,为社会和经济发展做出重要贡献。然而,小微企业规模小实力弱,抵押能力差,信用信息缺失,难以获得必要的融资。长沙银行作为城市商业银行,应积极探索和创新小微金融服务模式,制定竞争战略,赢得小微金融市场竞争。本文充分调研了小微金融业务在长沙地区的竞争态势,结合战略分析工具深入分析了长沙银行小微金融业务面临的内外环境,论述了长沙银行小微金融业务的现状。在此基础上制定出长沙银行小微金融业务竞争战略,提出差异化竞争战略的具体内容。本文还进一步对长沙银行小微金融业务竞争战略的实施步骤和措施进行了深入研究。竞争战略的选择决定着企业发展的走向和竞争优势的获取,随着利率市场化和银行同质化竞争加剧,长沙银行小微金融业务实施差异化竞争战略是实现长沙银行金融业务可持续发展的必要途径。长沙银行要从组织结构调整优化、风险管理、客户开发和市场分析、金融产品创新、品牌建设、激励管理机制等方面,全面做好小微金融业务进展战略保障。集中优势,灵活高效,创新思路,建设平台,才能够实现地区小微金融第一品牌的愿景。
[Abstract]:Under the background of the rapid development of market economy, small and micro enterprises have become a new force that can not be ignored and make important contributions to the development of society and economy. However, small and micro enterprises are weak in scale, poor in mortgage ability and lack of credit information. As a city commercial bank, Changsha Bank should actively explore and innovate the mode of microfinancial service, formulate competitive strategy, and win the competition in small and micro financial market. In this paper, the competitive situation of microfinance business in Changsha area is fully investigated, and the internal and external environment of small and micro finance business of Changsha Bank is deeply analyzed with strategic analysis tools. This paper discusses the present situation of the small and micro financial business of Changsha Bank. On the basis of this, the competitive strategy of the small and micro finance business of Changsha Bank is worked out. This paper also makes a further study on the implementation steps and measures of the competitive strategy for the small and micro financial business of Changsha Bank. The choice of competitive strategy determines the trend of enterprise development and the acquisition of competitive advantage. The implementation of differentiated competition strategy in the small and micro financial business of Changsha Bank is the necessary way to realize the sustainable development of the financial business of Changsha Bank. Changsha Bank should adjust and optimize the organizational structure, risk management, customer development and market analysis. Financial product innovation, brand building, incentive management mechanism, etc. to do a good job in small and micro financial business development strategy security, concentrated advantages, flexible and efficient, innovative ideas, construction platform, Only then can realize the region small and micro finance first brand vision.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33;F276.3

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