PD银行温州分行发展战略研究

发布时间：2019-01-04 17:51

【摘要】：自2008年金融危机爆发以来,全球经济的发展出现了前所未有的困难,复苏前景不容乐观。虽然我国宏观经济整体运行情况良好,GDP增速仍保持较高水平,但随着我国参与经济全球化的程度越来越高,经济的运行难免遭受波及,致使出口乏力,制造业景气指数走低,企业利润下滑,物价不稳,居民储蓄意愿持续减弱,存款搬家现象时有发生,房地产市场因过热遭受严厉调控后走向仍不明朗,使金融市场积累了大量的系统性风险,给商业银行的可持续发展带来了极大的挑战。同时,温州当地因民间借贷引发的金融危机仍未有平息的迹象,风险传导至商业银行的可能性越来越大,银行的安全经营将面临极大的威胁。如何在严峻的市场环境中站稳脚跟并做大做强,是各家商业银行目前亟待解决的难题。虽然PD银行温州分行最近几年的各项经营特别是对公业务取得了较为骄人的业绩,但在连续几年的高速发展之后,已明显暴露出增速放缓、发展后劲不足等问题。鉴于外部环境和内部情况都发生了较大变化,PD银行温州分行迫切需要制定中长期的发展战略,以扬长避短,趋利避害,获取竞争优势,积极应对机遇与挑战。本文首先对战略的概念、西方商业银行和国内商业银行的发展战略演变等理论进行综合描述,然后通过对PD银行温州分行的宏观环境、微观环境、行业环境和内部情况等进行全面分析,运用SWOT分析法,归纳总结出PD银行温州分行的优势与劣势、机遇与威胁,结合SWOT分析矩阵,在此基础上制定出PD银行温州分行的战略指导思想、企业使命以及发展战略目标,并对发展战略作出选择,最后提出战略实施的具体措施,主要包括组织架构调整、人才保证措施、营销措施、产品措施、内控管理调整。
[Abstract]:Since the financial crisis broke out in 2008, the global economic development has appeared unprecedented difficulties, recovery prospects are not optimistic. Although the overall operation of China's macro economy is good and the GDP growth rate remains at a relatively high level, with the increasing degree of China's participation in economic globalization, the operation of the economy is inevitably affected, resulting in weak exports and a low manufacturing boom index. Enterprises' profits are falling, prices are unstable, residents' willingness to save continues to weaken, deposits move away from time to time, and the real estate market is still uncertain after being severely regulated because of overheating, which makes the financial market accumulate a large number of systemic risks. It brings great challenges to the sustainable development of commercial banks. At the same time, the local financial crisis caused by private lending in Wenzhou is still showing no signs of abating, the risk of spreading to commercial banks is becoming more and more likely, and the security of banks will face a great threat. How to stand firm and become bigger and stronger in the severe market environment is a difficult problem to be solved by commercial banks. Although the Wenzhou branch of PD Bank has made remarkable achievements in the last few years, but after several years of rapid development, it has obviously exposed the problems of slow growth rate and insufficient stamina. In view of the great changes in the external environment and the internal situation, the Wenzhou Branch of PD Bank urgently needs to formulate medium- and long-term development strategies in order to maximize its strengths, avoid disadvantages, gain competitive advantages, and actively respond to opportunities and challenges. This paper first describes the concept of strategy, the development strategy evolution of western commercial banks and domestic commercial banks, and then through the PD bank Wenzhou branch of the macro environment, micro environment, This paper makes a comprehensive analysis of the industry environment and internal conditions, summarizes the strengths and weaknesses, opportunities and threats of Wenzhou Branch of PD Bank by using SWOT analysis method, and combines with the SWOT analysis matrix. On this basis, the strategic guiding ideology, enterprise mission and development strategy goal of Wenzhou Branch of PD Bank are worked out, and the choice of development strategy is made. Finally, the specific measures for the implementation of the strategy are put forward, including the adjustment of organizational structure. Talent guarantee measures, marketing measures, product measures, internal control management adjustment.
【学位授予单位】：浙江工业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33;F272

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