日照银行发展战略的SWOT研究

发布时间：2019-02-27 08:00

【摘要】：经济全球化发展使金融业面临着国际化、市场化和知识化的三大发展趋势。我国加入WTO后,随着金融市场的不断开放,全球金融服务贸易壁垒的逐步消除,技术先进的外资银行将陆续进入我国市场,银行业的竞争将日趋激烈。这对我国的银行尤其是城市商业银行构成了极大威胁。日照银行从2000年成立以来,克服了包袱沉重、设施简陋、社会认同度不高等诸多困难,为地方经济建设做出巨大的贡献,成为日照市金融体系的重要部分。但由于自身存在的一些先天不足和社会经济环境的不断改变,日照银行的发展过程中出现了高端人才匮乏、金融产品种类不丰富,产品开发能力弱,网点相对集中,经营区域限制、中间业务收入少等方面的问题,这些问题严重制约了日照银行的下一步发展,影响了打造精品银行的企业愿景的实现。因此,本文主要采用SWOT分析方法,研究日照银行的优势、劣势、机会和威胁,对日照银行的外部和内部情况进行了审视和分析,研究了日照银行的现状和其所处的内外部环境,分析日照银行所面临的机遇和威胁,所就有的外部优势和内部优势。讨论了SO战略(增长型战略)、WT战略(防御战略)、ST战略(调整战略)、wO战略(扭转战略)这四种战略,制定了日照银行发展战略,“引进境外战略投资者、跨区域经营、公开上市”,并提出实施对策。利用地区优势,当地发达的物流,发展物流银行,实施人才培养工程,重视人力资源储备,组建完善的科技体系,提供技术保障,深入细化,试点建设社区银行,扩充网点资源,抓住乡镇市场,做好服务品牌,提高客户忠诚度。实现规模与效益、速度与效率有机统一的全面发展。
[Abstract]:With the development of economic globalization, the financial industry is faced with three trends: internationalization, marketization and intellectualization. After China's entry into WTO, with the continuous opening of the financial market and the gradual elimination of trade barriers to global financial services, foreign banks with advanced technology will gradually enter the market of our country, and the competition of the banking industry will be fierce day by day. This poses a great threat to the banks of our country, especially the city commercial banks. Since its establishment in 2000, Rizhao Bank has overcome many difficulties such as heavy burden, poor facilities and low social identity. It has made great contributions to local economic construction and has become an important part of Rizhao City's financial system. However, due to some inherent deficiencies and constant changes in the socio-economic environment, the development of Rizhao Bank has seen a lack of high-end talents, a lack of financial products, weak product development capacity, and a relatively concentrated network. The limitation of operation area and the low income of intermediate business seriously restrict the future development of Rizhao Bank and affect the realization of the corporate vision of building a boutique bank. Therefore, this paper mainly uses the SWOT analysis method to study the advantages, disadvantages, opportunities and threats of Rizhao Bank, examines and analyzes the external and internal situation of Rizhao Bank, and studies the present situation of Rizhao Bank and the internal and external environment in which Rizhao Bank is located. Analysis of the opportunities and threats faced by Rizhao Bank, there are external advantages and internal advantages. This paper discusses the SO strategy (growth strategy), WT strategy (defense strategy), ST strategy (adjustment strategy), wO strategy (reverse strategy), formulates the development strategy of Rizhao Bank, "introduces foreign strategic investors," Cross-regional operation, public listing, and put forward the implementation of countermeasures. Take advantage of regional advantages, develop local logistics, develop logistics banks, carry out talent training projects, attach importance to human resources reserves, set up a sound science and technology system, provide technical support, deepen refinement, and pilot build community banks. Expand the network resources, seize the township market, do a good service brand, improve customer loyalty. Realize the scale and benefit, the speed and the efficiency organically unifies the all-round development.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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