滨海农村商业银行竞争力提升战略研究.pdf

天津大学
硕士学位论文
滨海农村商业银行竞争力提升战略硏究
姓名:时瑙
申请学位级别:硕士
专业:工商管理
指导教师:赵黎明
20090501
中文摘要
从1986年成立第一家股份制商业银行交通银行,到后来陆续成立的招商
深发、光大、广发、兴业等以地方性股份制银行,以及为加大滨海新区金融先行
先试的金融支持成立的渤海银行和滨海农村商业银行,不仅补充了我国国有商业
银行业务开展领域的不足,而且已成为我国银行业的重要组成部分,但这些新兴
股份制商业银行仍存在诸多问题。尤其我国加入WTO以来,金融业实行全面开
放的政策,同时金融业必须严格按照国际规则和国际惯例来进行运作,我国的金
融体制改革的步伐随之加快。金融市场的自由化导致股份制商业银行与金融同业
之间的竞争日趋激烈,不断有外资银行进入人民币市场,同时国有商业银行的股
份制改造正积极推进,在这样的大背景下,探讨股份制商业银行竞争力的现状与
提升意义重大。
本文在对股份制银行竞争力的来源进行分析整理的基础上,以滨海农村商业
银行为例,分析了滨海农村商业银行竞争力的现状,并运用定量与定性分析的方
法发掘滨海农村商业银行的现存问题,结合外部压力与内部阻力的分析对滨海农
村商业银行提升竟争力的迫切性进行论证。利用对滨海农村商业银行进行swoT
分析的结果提出了滨海农村商业银行的战略定位和竞争力全面提升战略,最后分
别从组织结构调整、机构业务联动、金融业务创新、金融风险管理和人才队伍建
设五个方面阐述了滨海农村商业银行竞争力提升战略的实施
论文共分为六章:第一章为导论,主要闻述论文的研究背景和目的,研究思
路和方法以及研究内容与框架。第二章回顾了企业战略管理理论的演进、波特的
竟争战略理论与SWOT分析法,同时梳理了相关的企业竞争力与商业银行竞争
力的理论,并阐述了股份制商业银行竞争力的来源。第三章分析了滨海农村商业
银行竞争力现状以及存在的问题,并说明滨海农村商业银行竟争力提升的迫切
性。第四章首先对滨海农村商业银行进行SWOT分析,确定战略定位,然后提
出竞争力全面提升战略。第五章从滨海农村商业银行的实际出发,提出了如何对
滨海农村商业银行竟争力全面提升战略进行实施。第六章是论文的结论,对论文
的主要观点进行归纳和总结
本文的创新点在于,综合运用工商管理相关理论,对滨海农村商业银行竟争
力现状以及存在的问题进行了深入的分析,并提出提升滨海农村商业银行竟争力
的战略和实施途径,希望本文的硏究能对滨海农村商业银行的健康发展有所裨
益
关键词:滨海农村商业银行;商业银行竞争力;SWOT分析;竞争力提升战略
Abstract
Since the first shareholding commercial bank, bank of communications, was
established in 1986, there followed more shareholding commercial banks, such as
China Merchants Bank, Shenzhen Development Bank, China Everbright Bank,
Guangdong Development Bank and Binhai Rural Commercial Bank. They do not
only fulfill the inadequacy of the field operated by state-owned bank, but also have
become the important part of bank industry in china. Anyway, there exist many
problems in shareholding commercial banks. Especially after the entry of WTO, the
finance industry caries on an all-round opening policy and it must operate strictly
according to the international rules and usual international practice, so the process of
financial system reform is speeding up. The liberalization of financial market leads to
the intense competition between shareholding commercial banks and financial
institutions. It also causes the continuous entry of many foreign banks into the RMB
market. At the same time, the shareholding reform of state-owned commercial banks
is actively pushed forward. Under the whole background, to discuss the current
situation and promotion policies of the shareholding commercial bank means a lot
Based on the analysis of the sauce of the shareholding commercial banks
competitiveness, the thesis takes Binhai Rural Commercial Bank for example and
analyses its competitiveness current situation. In order to discover the current
problems of Binhai Rural Commercial Bank, the thesis uses quantitative and
qualitative analysis. Combined with the analysis of the outside and inside pressure,
the thesis proves the urgency of the promoting the competitiveness of Binhai Rural
Commercial Bank. Using the result of SWOT analysis of Binhai Rural Commercial
Bank, the thesis puts forward the strategic positioning and competitiveness all-round
promotion strategy. At last, the thesis illustrates the implementation of the
competitiveness promotion strategy from five sides, such as organizational structure
adjustment, institutional business association, financial bu