H商业银行重庆分行科技金融差异化战略选择与实施研究

发布时间：2018-01-31 02:34

本文关键词： 商业银行科技金融差异化战略选择实施　出处：《重庆理工大学》2017年硕士论文　论文类型：学位论文

【摘要】：在当前国家创新驱动与转型发展的呼声日益高涨,科技金融的春天乍暖还寒,银行业市场化竞争更趋激烈的新时代背景下,搞清楚商业银行的目标客户市场是否可以前移至高风险的初创科技型企业,商业银行是否适合选择科技金融作为差异化竞争优势,对以银行间接融资为金融市场主导力量的中国而言尤其重要。通过本文研究,希望能够促进更多的商业银行走上差异化发展道路,实现错位竞争,形成更加多层次的商业银行服务体系,促进银行业健康有序发展;实现差异服务,满足金融市场日益丰富的不同需求,促进社会经济发展。本文采用文献资料法、案例分析法、工具模型法等研究方法,以H银行重庆分行为研究对象,研究了科技金融差异化战略的选择与实施问题。本文共有八个部分:第一部分是绪论,阐述了研究背景与意义、科技金融的概念、研究内容和方法以及思路;第二部分是文献综述、战略理论与分析方法;第三部分是中美商业银行科技金融的实践与借鉴;第四部分是基于科技金融战略选择的H银行重庆分行外部环境分析;第五部分是基于科技金融战略选择的H银行重庆分行内部环境分析;第六部分是H银行重庆分行科技金融SWOT分析与差异化战略选择研究,运用SWOT和雷达图工具分析选择确定科技金融差异化战略,为H银行重庆分行到底该走什么路、举什么旗的问题找到答案;第七部分为H银行重庆分行制定科技金融差异化战略实施方案;第八部分是研究结论。率先提出“专利价值分析技术三级嵌入银行授信业务”的模式构想,具体提出了甄别科技企业技术价值的关键是知识产权价值分析,科技银行应像重视财务报表分析那样重视专利价值分析的观点,并构想从产业技术分布调研(客户搜寻)、客户信用评级、专利质押估值等三个层次跨界引入专利价值分析技术。其次,在战略实施方案中,原创性地设计出了“三维一体作战阵形”等战略规划的视觉表达模型。再次,综合运用“波特竞争战略”与“蓝海竞争战略”两种对立统一的理论思想,对科技金融与公司业务交叉关系作了重要的概念界定,区分了“红区”成熟企业红海市场、“蓝区”初创企业利基/蓝海市场等两类市场并匹配差异化的战略营销方案,解决了一直以来往往将两者混淆的问题。第四,综合性、创造性地运用了多种经典的战略管理工具。本文综合使用了PEST分析法、SWOT分析法、雷达图分析法、蓝海战略布局图和价值链分析图等多种战略表达工具与分析方法。其中,创造性地组合运用SWOT与雷达图分析工具并加入时间维度跨越经济周期波峰与波谷而动态研究了科技金融战略的选择问题。本文研究成果,对商业银行制定竞争战略具有一定的参考和借鉴价值。
[Abstract]:In the current national innovation driving and transformation of the voice is growing, the spring of science and technology finance is still warm, the banking market competition is more fierce in the new era background. To find out whether the target customer market of commercial banks can move forward to high risk start-up science and technology enterprises, and whether commercial banks are suitable to choose science and technology finance as the competitive advantage of differentiation. It is especially important for China with indirect bank financing as the dominant force in the financial market. Through the research of this paper, we hope to promote more commercial banks to take the road of differentiated development and realize mismatch competition. Forming a more multi-level commercial bank service system to promote the healthy and orderly development of the banking industry; To achieve differential services to meet the increasingly rich needs of the financial market to promote social and economic development. This paper uses the literature method, case analysis method, tool model method and other research methods. Taking H Bank Chongqing Branch as the research object, this paper studies the choice and implementation of technology finance differentiation strategy. There are eight parts in this paper: the first part is the introduction, elaborated the research background and significance. The concept of science and technology finance, research contents and methods, and ideas; The second part is literature review, strategic theory and analysis methods; The third part is the practice and reference of science and technology finance of Chinese and American commercial banks. The 4th part is the analysis of the external environment of Chongqing Branch of H Bank based on the strategic choice of S & T finance. The 5th part is the analysis of the internal environment of Chongqing Branch of H Bank based on the strategic choice of S & T finance. The 6th part is the research of SWOT analysis and differentiation strategy choice of H Bank Chongqing Branch. It uses SWOT and radar chart tools to select and determine the differentiation strategy of science and technology finance. For H bank Chongqing branch in the end should take what way, what flag to raise the question to find out the answer; 7th part for H Bank Chongqing Branch to formulate the implementation plan of science and technology finance differentiation strategy; The 8th part is the conclusion of the research. It is the first to put forward the model of "patent value analysis technology is embedded in bank credit business", and the key to identify the technology value of science and technology enterprises is the analysis of intellectual property value. Science and technology banks should pay attention to patent value analysis as much as financial statement analysis, and conceive from the industrial technology distribution research (customer search, customer credit rating. Patent pledge valuation and other three levels of cross-border introduction of patent value analysis technology. Secondly, in the strategic implementation scheme, the original design of the "three-dimensional battle formation" such as the visual expression model of strategic planning. Third. Based on the theory of "Porter competitive Strategy" and "Blue Sea Competition Strategy", this paper defines the intersecting relationship between science and technology finance and company business. The paper distinguishes the "red zone" mature enterprise red sea market, the "blue zone" start-up niche / blue sea market and other two kinds of markets and matches the differentiated strategic marketing plan. It has solved the problem that has always confused the two. 4th, comprehensive, creative use of a variety of classic strategic management tools. Radar map analysis, blue sea strategic layout map and value chain analysis, and other strategic expression tools and analysis methods. Creative combination of SWOT and radar map analysis tools and the addition of time dimension across economic cycle peaks and troughs to dynamically study the choice of science and technology finance strategy. It has certain reference and reference value for commercial banks to formulate competitive strategy.
【学位授予单位】：重庆理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33;F272

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