中国民生银行的战略定位研究

发布时间：2018-05-15 04:28

本文选题：金融危机 + 商业银行　；参考：《复旦大学》2012年硕士论文

【摘要】：自从2008年美国次贷危机爆发以来,世界经济面临着巨大的挑战。大量的投资银行以及各类其他公司都在此后的几年里相继面临倒闭的命运。国际金融危机的冲击重创了世界经济,同时也严重地影响了中国经济的发展。面临全球金融危机的冲击,中国的实体经济在此后的几年里走势开始放缓,这使得中国的商业银行业也同时不得不面对恶劣的经营环境。作为一种主要为实体经济提供金融服务的机构,商业银行也需要明确自己的经营战略以应对经济危机的影响。对自己的战略进行系统地思考、明确自己的战略定位,成为中国商业银行的一项重要工作。众所周知,中国民生银行是中国唯一的民营商业银行(由民营企业为主投资设立的银行),是中国金融改革的重要成果之一,至今已经运行16年了。但是,关于中国民生银行的战略定位问题,过去的研究还比较少。因此本文主要对中国民生银行的战略定位问题进行了探讨。本文首先从发展历程、经营理念、公司治理、管理体系和内部控制、经营业绩等几个方面概括了中国民生银行的基本情况,然后基于中国商业银行的经营环境变化分析,研究了中国民生银行的战略定位问题。考虑到中国民生银行的“民营”特征,本文认为民生银行定位于“做中小企业的银行、做民营企业的银行、做高端客户的银行”是合理的。随后,本文给出了一个以风险控制为核心的战略实施方案框架,并以民生银行的一个实际案例“商贷通”为例,给出了民生银行的战略实施方案。
[Abstract]:Since the outbreak of the subprime mortgage crisis in 2008, the world economy has faced enormous challenges. A large number of investment banks, as well as all kinds of other companies, faced the fate of failure in the following years. The impact of the international financial crisis hit the world economy, but also seriously affected the development of China's economy. In the face of the global financial crisis, China's real economy began to slow in the next few years, which forced the country's commercial banking industry to face a harsh operating environment at the same time. As an institution providing financial services to the real economy, commercial banks also need to define their own business strategies to cope with the impact of the economic crisis. It is an important work for Chinese commercial banks to think about their own strategy systematically and define their strategic position. As we all know, Minsheng Bank of China is the only private commercial bank in China. However, on the issue of strategic positioning of China Minsheng Bank, the past research is still relatively small. Therefore, this paper mainly discusses the strategic positioning of China Minsheng Bank. This paper summarizes the basic situation of Minsheng Bank of China from the following aspects: development course, management concept, corporate governance, management system and internal control, management performance, etc., and then analyzes the changes in the business environment of China's commercial banks. This paper studies the strategic orientation of China Minsheng Bank. Considering the "private" characteristics of Minsheng Bank of China, this paper holds that it is reasonable for Minsheng Bank to be a bank for small and medium-sized enterprises, a bank for private enterprises and a bank for high-end customers. Then, this paper gives a strategic implementation framework with risk control as the core, and gives the strategy implementation scheme of Minsheng Bank with a practical case of Minsheng Bank, "Shang-loantong" as an example.
【学位授予单位】：复旦大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33

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