L商业银行发展战略研究

发布时间：2018-04-21 13:48

本文选题：商业银行 + 战略发展　；参考：《吉林大学》2017年硕士论文

【摘要】：商业银行对我国经济发展起到重要的作用,由商业银行发展战略的定位不当而引发的金融危机的例子不在少数。随着社会的发展,宏观经济持续下行,汽车、石化、能源等主要支柱产业发展呈现产能过剩、销量下滑、增速放缓、效益下降等困难局面,部分企业经营状况恶化,还款能力下降。这给商业银行业务发展面临传统行业增长乏力、新兴产业接续断档的双重发展困境,实现规模大幅扩张和利润快速增长面临较大困难。商业银行的发展战略研究也越来越受到专家学者以及社会大众的重视。目前,银行业的经营环境面临前所未有的压力,而且短期内难以扭转。对于商业银行来说,再不进行转型就要面临难以生存的问题。发展战略研究应该运行于银行的所有结构层次、经营过程和活动中,是为保障业务正常开展所制定的相互补充、相互制约、协调运作的行为规范和监督机制。商业银行的发展,中小型商业银行能否平稳发展已经成为对我国经济、金融体系的重要影响因素。但是,随着国家对利率以及市场政策的变化,商业银行面临的战略发展问题也逐渐成为商业银行乃至国有银行共同的难题,市场竞争的越来越激烈,商业银行已不再是过去稳赚的行业,随着而来的优胜劣汰,这也使得银行业,尤其是商业银行,对于发展战略的研究更加重视,有利于商业银行在经营管理方面更好的解决现实问题。以L商业银行为典型案例,以发展战略为主线,对现状进行分析。对如何更行之有效的发展战略提出建议倡导建立良好的发展环境,使商业银行的发展战略的理念不仅仅是一句口号,也深入到商业银行员工的意识和实际行动中,打造出更为专业化、素质高的管理队伍。为今后面对更为激烈的国际竞争建立基础,结合“发展战略”的研究内容,同时,提出了自己的看法,以便对L商业银行的管理者提供理论上的参考。本文首先对中小商业银行所存在的背景、所面临的环境以及存在的问题等方面进行分析,根据行业普遍存在的问题,归类总结,找出发展战略的方法,利用SWOT模型分析,从存在的优势、劣势、机会与挑战方面进行梳理,并通过行之有效的方法和策略,适时调整L商业银行的战略目标和管理能力。
[Abstract]:Commercial banks play an important role in the economic development of our country. The financial crisis caused by the improper positioning of the development strategy of commercial banks is not rare. With the development of society and the sustained downward trend of the macro economy, the development of major pillar industries, such as automobiles, petrochemicals, and energy, presents a difficult situation, such as overcapacity, declining sales volume, slowing growth, declining efficiency, and so on. Some enterprises' operating conditions have deteriorated. The ability to repay is declining. This makes the development of commercial bank business facing the traditional industry growth lacklustre, emerging industries continue to break the dual development dilemma, the realization of large-scale expansion and rapid growth of profits facing greater difficulties. The development strategy research of commercial bank is paid more and more attention by experts and scholars as well as the general public. At present, the operating environment of the banking industry is facing unprecedented pressure, and it is difficult to reverse in the short term. For commercial banks, it is difficult to survive without transformation. The development strategy research should run in all the structure levels, management process and activities of the bank. It is a mutual complementary, mutually restricting and coordinated behavior standard and supervision mechanism to ensure the normal development of the business. The development of commercial banks and the smooth development of small and medium-sized commercial banks have become an important influence factor on our country's economy and financial system. However, with the change of national interest rate and market policy, the strategic development problem faced by commercial banks has gradually become a common problem for commercial banks and even state-owned banks, and the market competition is becoming more and more fierce. Commercial banks are no longer a stable industry in the past. With the survival of the fittest, this has also made the banks, especially commercial banks, pay more attention to the study of development strategies. Commercial banks in the management of better solutions to practical problems. Take L commercial bank as the typical case, take the development strategy as the main line, carries on the analysis to the present situation. The paper puts forward some suggestions on how to establish a good development environment so that the concept of the development strategy of commercial banks is not only a slogan, but also goes deep into the awareness and practical actions of the employees of commercial banks. To create a more professional, high quality management team. In order to establish the foundation for facing more intense international competition in the future, combined with the research content of "development strategy", the author puts forward his own views in order to provide theoretical reference to the managers of L commercial bank. In this paper, the background, environment and problems of small and medium-sized commercial banks are analyzed. According to the common problems in the industry, the methods of development strategy are found out, and the SWOT model is used to analyze them. From the aspects of strengths, weaknesses, opportunities and challenges, and through effective methods and strategies, timely adjustment of L commercial bank's strategic objectives and management ability.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.33

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