赣州中行公司业务发展战略研究.pdfVIP

摘 要 随着2006 年中国金融市场对外全面开放，外资金融机构和各类潜在进入者的 全面渗透，银行业的市场集中度将被稀释，银行间的竞争将更趋激烈，中国银行 业面临更为严峻的挑战。面对机遇与挑战，国内银行纷纷寻找提升自 竞争能力 的有效手段，研究适应新金融的经营策略。四大国有商业银行相继启动股改上市 的进程。 因此，作为中行二级分行的赣州市分行的外部环境和内部条件都发生了较大 变化，迫切需要制定中长期的发展战略以扬长避短，趋利避害，确立竞争优势， 积极应对机遇与挑战。 本文首先分析了赣州经济发展的现状以及主要特征，以对整体的环境有个更 为深刻的了解，以便在后文的建议中能更有真对性。同时也分析了随着全球金融 危机的发生，对经营模式、客 需求等影响 其次对银行业中的重点部分公司业务进行了分析，评价了赣州中行公司业务 的发展状况及存在的问题，包括主观、客观、及客户方面。 最后，结合上文的分析，综合评价了赣州中行公司业务的优势与劣势，机遇 与挑战。并以此为基础提出了发展公司业务的几点建议，包括核心竞争力战略、 业务品牌战略、 人本主义战略、产品营销战略、风险管理战略、科技先导战略。 本文以赣州中行公司业务作为出发点，采用SWOT 分析法，希望能对赣州中行的 发展提供一些理论和实践方面的思路。 关键词：公司业务 发展战略 SWOT 分析 1 Abstract With the full liberalization of financial market in China in 2006 ，and various foreign financial institutions to enter the full potential infiltration of the banking market concentration will be diluted, will be more intense competition among banks, Chinese banking industry faces more severe challenges. Faced with opportunities and challenges，domestic banks have to find an effective means to enhance their competitive capability. Then, the four major state-owned commercial banks have started the process of the stock market ，officially listed in Hong Kong. As the secondary branches of Bank of China, the external environment and the internal conditions of Ganzhou branch have undergone major changes，there is an urgent need to develop medium-term and long-term development strategies to stronger strengths and to avoid weaknesses, establish competitive advantages, and actively deal with challenges and opportunities. Firstly, analysis the status and the main characterizes of the economics of Ganzhou in order to have more knowledge about it. At the same time, it needs us pay more attention about the challenges of changing regul