鄞州银行的村镇银行战略研究

发布时间：2018-03-28 18:35

本文选题：鄞州银行　切入点：村镇银行　出处：《宁波大学》2014年硕士论文

【摘要】：为解决农村地区长期存在的金融缺位,支持促进农村经济发展,银监会自2 0 0 6年起放宽准入要求,鼓励银行机构发起设立村镇银行。鄞州银行将发起村镇银行视作自身的重要机遇,在7年间投资5.4 8亿元,发起设立村镇银行2 4家,取得了一定成果。但作为一家区域性小银行,鄞州银行所具有的各类资源相对较少,伴随着这些村镇银行快速发展,鄞州银行遭遇了管理瓶颈,自身资本积累难以跟上村镇银行消耗速度,人员储备不足以满足村镇银行扩张需要。在自身资源有限的情况下,如何发展好这些村镇银行,成了摆在鄞州银行面前的难题。本文以企业战略研究的基本过程为框架,对鄞州银行发展村镇银行的战略进行了分析和研究,内容主要包括战略分析(外部环境分析、内部资源分析)、战略选择和战略实施,梳理了影响其发展村镇银行的内外部环境因素,并提出应采取的战略。其中,本文利用P E S T宏观环境分析模型、波特五力模型对鄞州银行外部环境进行了分析,发现政府政策、经济发展、科技保障等都有利于其发展村镇银行,与此同时其所面对的行业竞争烈度也正在提高;本文利用与全国3 9 4 9家银行机构、1 6家上市银行、2家同类机构间数据、指标的对比,对鄞州银行的内部资源、能力进行了分析,发现鄞州银行盈利能力、风险管理能力较为出色,能为村镇银行管理提供足够保障,但财务资源、人力资源等已接近饱和,需要另辟蹊径以满足村镇银行需求;本文对鄞州银行进行了战略选择分析,认为其优势在于注重创新、机制灵活、管理创新,而非成本优势,同时其竞争范围主要聚焦在农村地区,而非整个行业,因此本文明确鄞州银行应采取集中差异化战略,并从组织架构、网点布局、业务拓展、风险管控等方面出发,提出了战略实施的具体内容。
[Abstract]:In order to solve the lack of financial support existed in the rural areas, and promote the development of rural economy, the CBRC since 2006 to relax the entry requirements, to encourage banking institutions initiated the establishment of village banks. The Bank of Yinzhou will be launched as an important opportunity for the rural banks, in 7 years to invest 548 million yuan, initiated the establishment of 24 village banks, has made some achievements. But as a regional small bank, the Bank of Yinzhou has relatively few resources, along with the rapid development of these rural banks, the Bank of Yinzhou suffered a bottleneck, the accumulation of capital is difficult to keep up with the rural bank rate of consumption, personnel reserve is not sufficient to meet the rural bank expansion needs. In its own limited resources, how to develop these rural banks, become a problem placed in front of the Bank of Yinzhou. In this paper, the basic process of enterprise strategic research framework, the Bank of Yinzhou The development of village bank strategy is analyzed and studied, including strategic analysis (analysis of the external environment, internal resources analysis), strategic selection and implementation, analyzes the impact of the development of village bank's internal and external environment factors, and puts forward some strategies. Among them, the P E S T macro environment analysis model Potter, the five forces model to analyze the external environment of Bank of Yinzhou, found that the government policy, economic development, science and technology guarantee are beneficial to the development of rural banks, at the same time the competition intensity is improved; the national 3949 banks, 16 listed banks, 2 of the same inter agency data. Comparing the indices, the Bank of Yinzhou's internal resources, ability to carry on the analysis, found that the profitability of the Bank of Yinzhou, the risk management ability is outstanding, can provide adequate management of rural banks But the security, financial resources, human resources have been close to saturation, we need another way to meet rural banks demand; this paper analyzes the strategic choice of the Bank of Yinzhou, that the advantages of flexible mechanism, focus on innovation, management innovation, rather than the cost advantage, while the scope of competition mainly focus on rural areas, rather than the entire industry, therefore this paper clear Yinzhou banks should adopt the differentiation strategy, and from the organizational structure, network layout, business development, risk control and other aspects, puts forward the concrete contents for the implementation of the strategy.

【学位授予单位】：宁波大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

【共引文献】