如皋农村商业银行经营战略转型研究

发布时间：2018-06-07 22:55

本文选题：如皋农村商业银行 + 经营战略转型　；参考：《南京农业大学》2014年硕士论文

【摘要】：如皋农村商业银行作为区域性银行经历了三次重要的改革发展,并且在每一个阶段都取得了骄人的成果与不俗的表现。目前如皋农商行正处于“适应市场竞争、缩短同业差距,成为县域经济发展相得益彰的农村现代金融企业”的第三阶段。然而,随着国际经济形势的变幻莫测,金融危机在世界范围内的扩大蔓延,我国经济金融政策的不断变革,近两年来,“存款难上、贷款难放、风险难控、效益难增”日益突显,为适应社会、经济、环境的变化,客户需求的转变,激烈的市场竞争环境,如皋农村商业银行需要新的发展思路、新的经营战略。如何制定企业发展转型战略,取得竞争优势,是本文研究的重要课题。本文以经营战略转型为研究主题,通过宏观环境分析(PEST分析),研究如皋农商行所处的国内外政治、经济、社会、技术等宏观环境；运用行业环境分析,界定其在竞争中的地位；通过内部环境分析,充分了解自身的发展优势；采用SWOT分析法,探讨如皋农商行内部的优势、劣势和外部的机会、威胁。从而提出如皋农商行经营战略转型构思：立足地方、服务三农的区域性银行；规模适度、特色鲜明的股份制银行；制度完善、管理高效的现代银行；五年内成为苏中、苏北地区具有竞争力的专业化、特色化、社区化农村商业银行。基于转型构思,本文从组织架构、机制建设、体系建设、流程体系等方面提出经营战略调整和具体实施的操作方案。
[Abstract]:Rugao Rural Commercial Bank, as a regional bank, has experienced three important reforms and development, and has achieved remarkable results and good performance in each stage. At present, Rugao Agricultural and Commercial Bank is in the third stage of "adapting to market competition, shortening the gap between the same industry, and becoming a rural modern financial enterprise with mutually beneficial development of county economy". However, with the vagaries of the international economic situation, the expansion and spread of the financial crisis in the world, and the constant changes in China's economic and financial policies, in the past two years, "deposits are difficult, loans are difficult to put, and risks are difficult to control." In order to adapt to the changes of society, economy, environment, customer demand and fierce market competition, the rural commercial banks in Rugao need new development ideas and new management strategies. How to formulate the strategy of enterprise development and gain competitive advantage is an important subject of this paper. This paper takes the transformation of management strategy as the research theme, studies the domestic and foreign macro environment of Rugao agribusiness, such as politics, economy, society, technology and so on, and defines its position in the competition by means of macro-environment analysis and pest analysis. Through the analysis of internal environment, we can fully understand their own development advantages, and use SWOT analysis method to explore the internal strengths, weaknesses, external opportunities and threats of Rugao Agricultural and Commercial Bank. Thus put forward the strategic transformation concept of Rugao agribusiness: regional banks based on local, serving agriculture, rural areas and farmers; joint-stock banks with moderate scale and distinctive characteristics; modern banks with perfect system and efficient management; become central Jiangsu in five years, North Jiangsu has competitive specialization, characteristics and community of rural commercial banks. Based on the concept of transformation, this paper puts forward the operational plan of management strategy adjustment and concrete implementation from the aspects of organizational structure, mechanism construction, system construction, process system and so on.
【学位授予单位】：南京农业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F272;F832.35

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