长沙天心农村合作银行发展战略研究

发布时间：2018-10-13 13:15

【摘要】：作为国家农村金融改革的产物,长沙天心农村合作银行于2007年12月挂牌成立。虽然成立不足六年时间,但已取得不俗的成绩:从原来的农村信用社改制成为农村合作银行并即将组建农村商业银行;基本理顺了产权关系,建立了较为健全的现代银行治理框架;经营业绩不断提升。然而,作为身处省会城市城区的农村金融机构,它也暴露出了一些问题:原有的体制弊端并未从根本上清除;资本规模小、营销手段单一、人才储备不足等问题开始暴露,经济周期波动、同业竞争威胁等外在不利因素加剧。这都要求长沙天心农村合作银行明确其发展战略,制定科学的战略目标和实施方案,以实现长期健康的发展。本文正是从战略的角度,在综合分析长沙天心农村合作银行的外部环境和内部条件的基础上,通过SWOT分析,制定了长沙天心农村合作银行采取差异化的成长型战略的理论框架。文章首先阐述了研究的背景及意义,并回顾了企业的发展战略理论和银行战略管理理论以及其实践情况;接着运用PEST分析法,对长沙天心农村合作银行外部战略环境进行扫描,并从组织架构、人力资源和财务等角度,对长沙天心农村合作银行的内部环境进行描述;接下来运用SWOT矩阵,对长沙天心农村合作银行的战略环境进行了分析;将SWOT矩阵应用于省会城市的农村金融机构的战略分析,是本文的主要内容之一。通过上述分析,在考虑到银行业的未来发展趋势和长沙天心农村合作银行经营实际的情况下,得出了长沙天心农村合作银行应选择差异化的成长型战略的结论,并详细阐述其具体内容;其具有一定的创新性和较强的可操作性;最后,从产品创新、市场营销、风险管理、人力资源和企业文化等多个角度,制定实现上述战略的具体实施方案。
[Abstract]:As the product of national rural financial reform, Changsha Tianxin Rural Cooperative Bank was established in December 2007. Although it was established less than six years ago, it has achieved remarkable results: from the original rural credit cooperatives to the rural cooperative bank and the establishment of the rural commercial bank; basically straightened out the property rights relationship. Established a relatively sound modern banking governance framework; business performance continues to improve. However, as a rural financial institution in the provincial capital city, it has also exposed some problems: the original system has not been fundamentally eliminated, the capital scale is small, the marketing method is single, the talent reserve is insufficient and so on. Economic cycle fluctuations, peer competition threats and other external adverse factors intensified. All this requires the Changsha Tianxin Rural Cooperative Bank to define its development strategy, formulate scientific strategic objectives and implementation plans to achieve long-term and healthy development. Based on the comprehensive analysis of the external environment and internal conditions of Changsha Tianxin Rural Cooperative Bank, this paper formulates the theoretical framework of Changsha Tianxin Rural Cooperative Bank to adopt the differentiated growth strategy through SWOT analysis. This paper first expounds the background and significance of the research, and reviews the development strategy theory, the bank strategic management theory and the practice of the enterprise, and then uses the PEST analysis method to scan the external strategic environment of Changsha Tianxin Rural Cooperative Bank. And from the perspective of organizational structure, human resources and finance, this paper describes the internal environment of Changsha Tianxin Rural Cooperative Bank, and then analyzes the strategic environment of Changsha Tianxin Rural Cooperative Bank by using SWOT matrix. The application of SWOT matrix to the strategic analysis of rural financial institutions in provincial capitals is one of the main contents of this paper. Through the above analysis, considering the future development trend of the banking industry and the operation practice of Changsha Tianxin Rural Cooperative Bank, the paper draws the conclusion that Changsha Tianxin Rural Cooperative Bank should choose the differentiated growth strategy. At last, from the aspects of product innovation, marketing, risk management, human resources and corporate culture, etc. Develop specific implementation plans to achieve the above-mentioned strategy.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35

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