商业银行竞争战略研究-金融学专业论文.docxVIP

商业银行竞争战略研究}两 商业银行竞争战略研究 }两 要 面对入世后外资银行的进入和金融深化的双重挑战，我国银行业的未来竞争 将是一项极具综合性、挑战性的系统工程。如何建立一种竞争战略架构，指导银 行培育竞争力的活动，使其不断开发新的功能、获得新的核心能力、提升现有的 竞争力，就显得尤为重要。当前国内外银行竞争战略管理的相关实践，都存在着 一定的不足，难以有效的支持银行参与多层面竞争活动。本文基于资源学派的观 点，进行理论创新，整合了当前银行的各种竞争战略，从不同层面提出了不同的 竞争战略。 本文共分四个部分。第1部分介绍了战略管理的基本概念，分析了商业银行 战略管理的理论内涵与模式，然后从理论渊源和内涵两方匠分析了商业银行竞争 战略；第2部分比较分析了国内外商业银行竞争战略的理论与实践，对国内外商 业银行战略和竞争战略相关思想进行了综述与比较；本文第3部分提出了基于竞 争力培育的竞争战略模式。该部分先对已有银行竞争战略不足进行评析，然后基 于资源学派的观点提出一个新的分析框架。围绕该框架，本文对银行三个层面的 竞争力进行了论述，然后提出了与银行竞争层面相对应的银行竞争战略；本文第 4部分从注意的问题和应采取的环境策略两个方面提出了优化商业银行竞争战 略模式的策略。本文的重点和核心内容是第3部分和第4部分。 关键词：战略；竞争：商业银行；能力；资源 Study Study oN the Compet i t i on Strategy of Commerc j a I Banks Abstr act With the coming of foreign—owned banks and the liberalizing of interest rate system．the competition which Chinese banks faced wjtll will be a comprehensive and challenging engineering．Thus，how to design a structure of competition strategy in order to conduct banks’competency·fostering，keep them develop new function continually，get new core ability and improve competency nOW available become very important for banks．The relative practice and theory now available all have some disadvantages to a degree，SO they call’t come up with effective support to the banks’ competing activities in different levels．Based on the view of resource·based theory， this thesis provides a theoretical renovation，and gives different competition strategy in particular level by merging all kinds of competition strategies newly． This thesis consists of four sections．The first section introduces the basic concept of strategy management，explains the character and pattern of strategy management in commercial banks，then analyses competition strategy in commercial banks in the view of theoretical foundation and its meaning．The second section analyses the theory and practice of competition strategy both in foreign and home comntercia]banks by comparison．This section lucubrates the relative theory of competition strategy and practice in commercial b