邮储银行吉林省分行发展战略研究

发布时间：2018-05-08 21:20

本文选题：邮储银行 + 发展战略　；参考：《吉林大学》2012年硕士论文

【摘要】：当前，随着金融市场的不断发展以及宏观经济形势的不断变化，我国商业银行的经营环境已经发生深刻的变革，探索适合自身情况的发展战略是我国商业银行面对经营环境变化做出的必然选择。已有经验表明，商业银行关于发展战略的研究选择是一项长期的工程。从操作层面来看，虽然各家商业银行所面临的经济金融形势大体相同，但由于在自身发展模式以及所处发展阶段等方面存在不同，因而在所选发展战略的期望目标、具体内容、实施策略和方式等方面也必然存在诸多差异。能否根据自身实际发展特点制定合适的发展战略，对商业银行未来的经营发展至关重要。邮储银行吉林省分行成立以来，凭借网点分布较为广泛、可用资金充足等已有优势，在业务发展方面取得了一些成绩，但随着网点的不断增加，规模的不断扩大，产品业务种类单一、金融创新能力较差、专业人才缺乏、营销体系不够完善、网点服务不到位、风险管理水平不高等问题陆续显现出来，在一定程度上阻碍了自身的经营发展。此外，由于成立时间不长，发展起步较晚，日益激烈的同业竞争也使邮储银行吉林省分行在发展过程中面临巨大挑战。与国内先进的商业银行相比，邮储银行吉林省分行在很多方面仍然存在较大差距。想要改变这种局面，缩小与同业的差距，必须加大改革力度，在参考其他商业银行已有发展经验的基础上，制定适合自身情况的发展战略并加以实施。如何使邮储银行吉林省分行充分发挥自身优势，，克服劣势，以客户需求为切入点，抓住机会，增强竞争实力，保证持续稳定发展，是本文研究的重点。本文对邮储银行吉林省分行自成立以来在发展过程中所取得的主要成绩及存在的主要问题予以归纳总结，将邮储银行吉林省分行目前面临的内部环境和外部环境当中所包含的各项因素一一予以列举，对其可能产生的影响分别进行分析。给出了邮储银行吉林省分行在当前发展过程中拥有的优势及存在的劣势，以及在外部环境中面临的机会和威胁，运用SWOT分析方法，对其未来发展方向进行战略定位分析。通过分析和比较，结合自身实际特点，给出邮储银行吉林省分行的发展思路，确定其具体发展战略定位，即大力建设全面覆盖城乡的金融服务网络、改善中间业务发展现状、发展中小企业市场、以国家政策为依托面向“三农”开展业务。并在此基础上提出若干实施策略，如加快产品创新、加强员工队伍素质建设、创新营销模式、提高服务水平、强化激励约束机制等，作为邮储银行吉林省分行发展战略的实施保障。
[Abstract]:At present, with the continuous development of the financial market and the constant changes of the macroeconomic situation, the operating environment of commercial banks in China has undergone profound changes. It is an inevitable choice for Chinese commercial banks to explore the development strategy suitable for their own circumstances. Experience has shown that the choice of development strategy of commercial banks is a long-term project. From the operational level, although the economic and financial situation faced by each commercial bank is roughly the same, due to the differences in its own development model and development stage, the expected objectives and specific contents of the selected development strategy are different. There must also be many differences in implementation strategies and methods. It is very important for the future development of commercial banks to formulate appropriate development strategies according to their own actual development characteristics. Since the establishment of the Branch of Jilin Province, the Postal savings Bank has made some achievements in the development of its business by virtue of the advantages of a relatively wide distribution of branches and sufficient funds available, but with the increasing number of outlets and the continuous expansion of the scale, The problems of single product business, poor ability of financial innovation, lack of professional talents, imperfect marketing system, inadequate service of network, low level of risk management and so on, to a certain extent, hinder the development of their own management. In addition, due to the short time of establishment and the late start of development, the increasingly fierce competition also makes the Postal savings Bank Jilin Branch face a great challenge in the process of development. Compared with the domestic advanced commercial banks, the Postal savings Bank Jilin Branch still has a big gap in many aspects. If we want to change this situation and narrow the gap with the same industry, we must strengthen the reform, on the basis of referring to the existing development experience of other commercial banks, formulate the development strategy suitable for our own situation and implement it. How to make the Postal savings Bank Jilin Branch give full play to its own advantages, overcome disadvantages, take customer demand as the starting point, seize the opportunity, strengthen the competitive strength, and ensure the sustainable and stable development, is the focus of this paper. This paper summarizes the main achievements and problems existing in the development of Postal savings Bank Jilin Province Branch since its establishment. The internal environment and the external environment of Postal savings Bank Jilin Branch are listed one by one, and the possible effects are analyzed respectively. This paper presents the advantages and disadvantages of Postal savings Bank Jilin Branch in the current development process, as well as the opportunities and threats it faces in the external environment. By using the SWOT analysis method, it makes a strategic orientation analysis on the future development direction of Postal savings Bank Jilin Branch. Through analysis and comparison, combined with its own actual characteristics, this paper gives the development thinking of Postal savings Bank Jilin Branch, and determines its specific development strategy orientation, that is, to vigorously build a comprehensive financial service network covering urban and rural areas, and to improve the status quo of the development of intermediate business. The development of small and medium-sized enterprises market, rely on national policies oriented to the "three rural" business. On this basis, some implementation strategies are put forward, such as speeding up product innovation, strengthening the quality construction of the staff, innovating the marketing mode, improving the service level, strengthening the incentive and restraint mechanism, and so on. As the postal savings bank Jilin branch development strategy implementation protection.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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