长春农商银行发展战略研究

发布时间：2018-10-18 20:19

【摘要】：随着改革开放和加入WTO,我国银行业进入了发展的快车道,金融服务经济的功能和水平不断提高。与此同时,随着全球经济金融形势的复杂变化,区域一体化、全球一体化以及互联网带来的信息全球化,国际金融竞争日益加剧;国内经济下行持续,银行利差大幅缩小,利率市场化顺利推进,存款保险制度也已推出,国内金融改革也加快了推进步伐。长春农商银行前身是长春市农村信用社联合营业部,2009年改制为股份制农村商业银行,经过七年多的发展,经营规模和实力都有较大的提高,2015年荣获“中国地方金融2014十佳竞争力银行”称号。在复杂多变的国内外形势面前,长春农商银行未来面临着巨大的不确定性和前所未有的挑战。2015年末全国农村商业银行突破1000家,与工商银行、农业银行、中国银行、建设银行、交通银行等大型银行及股份制银行相比,农村商业银行规模小、科技实力差、品牌效应低、经营同质化,处于明显竞争弱势。长春农商银行在成立之初,基于形象宣传的需要,制定了自身的发展战略,但随着新形势的发展变化,面对当前的竞争和挑战,迫切需要制定更加符合自身实际和当前形势的战略目标,以更好地应对未来的竞争和挑战。本文以战略管理理论为基础,借鉴有关战略管理的理论、实践及相关著作、论文等文献,通过具体分析长春农商银行发展状况、内外部因素,分析长春农商银行发展存在的问题、成因、机遇及挑战,对其发展战略进行深入研究,为未来发展战略的制定提供理论和实践的支撑和借鉴。长春农商银行成立以来,虽然在资产总额、各项存款额、各项贷款额等方面增长较快,具有一定的盈利能力,不良贷款率也维持在相对较低水平,但由于农村信用社改制而来的客观条件和因素,导致规模小、网点覆盖率低,科技研发基础弱,市场、客户缺乏精准定位,以及国内银行业经营的同质化,从而存在影响进一步发展的问题。存在的问题主要表现在一是品牌价值低和社会认同度不够高;二是规模小,产品和服务缺乏竞争力;三是处于发展初期,体量小,抗风险能力不够强;四是科技投入有限,难以形成技术优势,五是发展战略需进一步细化完善。在针对长春农商银行的优势、劣势、机遇与威胁进行认真分析的基础上,本文提出了创新和科技立行、质效、引入战略投资者与跨境发展、差异化、合规稳健等发展战略。在此基础上,提出了经营转型和提高综合服务能力、突出科技引领作用、强化内控合规和风险管理等措施,以及人才机制和人力资源管理、有效发挥绩效激励机制作用、企业文化建设等保障措施。发展战略的研究,对新形势下的长春农商银行,乃至对众多类似农村商业银行的小型农村金融机构,以及同质的其他小微银行,具有很大的现实意义。
[Abstract]:With the reform and opening up and China's entry into WTO, China's banking industry has entered the fast track of development, and the function and level of the financial service economy have been improved. At the same time, with the complex changes in the global economic and financial situation, regional integration, global integration and the globalization of information brought about by the Internet, international financial competition is intensifying day by day. Interest rate marketization, deposit insurance system has been launched, domestic financial reform has also accelerated the pace. Changchun Agricultural and Commercial Bank was formerly the joint business department of Changchun Rural Credit Cooperatives. In 2009, it was transformed into a joint-stock rural commercial bank. After more than seven years of development, Business scale and strength have been greatly improved, in 2015 won the "Chinese local finance 2014 top 10 competitive banks" title. In the face of the complex and changeable domestic and foreign situation, Changchun Agricultural and Commercial Bank is facing enormous uncertainty and unprecedented challenges in the future. At the end of 2015, rural commercial banks across the country broke through 1000, with the Industrial and Commercial Bank, the Agricultural Bank of China, the Bank of China, and the Construction Bank. Compared with large banks such as Bank of Communications and joint-stock banks, rural commercial banks are small in scale, poor in scientific and technological strength, low in brand effect, homogeneous in operation, and in obvious competitive disadvantage. At the beginning of its establishment, Changchun Agricultural and Commercial Bank formulated its own development strategy based on the need of image propaganda, but with the development of the new situation, it faced the current competition and challenge. There is an urgent need to develop strategic objectives that are more in line with their realities and current circumstances in order to better cope with future competition and challenges. Based on the theory of strategic management, this paper draws lessons from the theory, practice and related works of strategic management, and analyzes the development of Changchun Agricultural and Commercial Bank, internal and external factors, and so on. This paper analyzes the problems, causes, opportunities and challenges existing in the development of Changchun Agricultural and Commercial Bank, and makes a thorough study of its development strategy, which provides theoretical and practical support and reference for the formulation of future development strategies. Since its establishment, the Changchun Agricultural and Commercial Bank has maintained a relatively low non-performing loan ratio, although its total assets, deposits and loans have grown rapidly and have a certain degree of profitability. However, due to the objective conditions and factors resulting from the reform of rural credit cooperatives, the scale is small, the network coverage is low, the foundation of scientific and technological research and development is weak, the market and customers are short of precise positioning, and the domestic banking management is homogenized. As a result, there are problems affecting further development. The existing problems are mainly manifested in: first, low brand value and insufficient social identity; second, small scale; lack of competitiveness of products and services; third, in the early stages of development, small volume and insufficient ability to resist risks; fourth, limited investment in science and technology. Difficult to form a technical advantage, fifth, the development strategy needs to be further refined and improved. On the basis of analyzing the strengths, weaknesses, opportunities and threats of Changchun Agricultural and Commercial Bank, this paper puts forward some development strategies, such as innovation and science and technology, quality and effect, the introduction of strategic investors and cross-border development, differentiation, compliance and stability. On this basis, the paper puts forward some measures, such as management transformation and improvement of comprehensive service ability, highlighting the leading role of science and technology, strengthening internal control compliance and risk management, as well as talent mechanism and human resource management, so as to give full play to the role of performance incentive mechanism. Enterprise culture construction and other safeguards. The study of development strategy is of great practical significance to the Changchun Agricultural and Commercial Bank under the new situation, even to many small rural financial institutions similar to the rural commercial banks, as well as other small and micro banks of the same quality.
【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】：F832.35

【相似文献】