苏州银行零售业务发展战略研究

发布时间：2018-02-04 23:35

本文关键词： 城市商业银行发展战略零售业务苏州银行　出处：《苏州大学》2015年硕士论文　论文类型：学位论文

【摘要】：城市商业银行诞生在我国的这近二十年,在经历了重组、成长、优胜劣汰之后,现在各个城市的城市商业银行都以不同的定位和实力存在着。部分城市商业银行为当地实体经济和居民服务,已经形成了一定的影响力,更有优秀的几个城市商业银行开始跨区域经营或者完成了A股上市,城商行之间的差距开始拉大,内部竞争激烈。国有银行的股份制改造上市、全国股份制银行的全国战略拓展、外资银行在国内政策的放开、信用社改制后效率、影响力重获生机等的影响,迫使城商行开始重新审视自己的地位和前途。由于发展零售业务有助于银行保证长期稳定的利润收入;同时也能够减少资本占用,在资本充足率约束趋紧及竞争日益激烈的情况之下,城商行的业务发展朝着资本消耗少的零售业务及中间业务转变,是基于现实的理性选择。本文以苏州银行为研究对象。首先对市场营销及风险管理等理论研究进行了回顾和综述,然后探讨和分析了城市商业银行的零售业务发展现状和趋势,再从战略管理角度,通过SWOT分析法,对苏州银行零售业务的优势劣势机遇威胁进行了分析,并以此为基础,从客户营销战略、产品推广战略、业务创新战略、渠道建设战略、队伍建设战略、风险控制战略六个方面提出苏州银行的零售业务发展战略选择。
[Abstract]:The city commercial bank was born in our country nearly 20 years, after experienced the reorganization, the growth, the survival of the fittest. At present, the city commercial banks of each city have different orientation and strength. Some of the city commercial banks serve the local real economy and residents, which has formed a certain influence. More excellent several city commercial banks began to operate across regions or completed the A-share listing, the gap between the city commercial banks began to widen, the internal competition was fierce. The national strategic expansion of national joint-stock banks, the liberalization of foreign banks in domestic policies, the efficiency of credit cooperatives after the restructuring, the impact of renewed vitality and so on. Compels the city commercial bank to start to review own position and the future, because the development retail business helps the bank to guarantee the long-term stable profit income; At the same time, it can also reduce the capital occupation. Under the condition of tight capital adequacy ratio and increasingly fierce competition, the business development of city commercial bank changes to retail business and intermediate business with less capital consumption. This paper takes Suzhou Bank as the research object. Firstly, it reviews and summarizes the theoretical research of marketing and risk management. Then it discusses and analyzes the current situation and trend of retail business development of city commercial banks, and then analyzes the advantages and disadvantages of Suzhou bank retail business opportunities and threats from the perspective of strategic management, through the SWOT analysis. And on this basis, from customer marketing strategy, product promotion strategy, business innovation strategy, channel construction strategy, team building strategy. Six aspects of risk control strategy proposed Suzhou Bank's retail business development strategy choice.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2

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