国有商业银行的竞争战略研究

【作者】 徐益华；

【导师】 杨晓明；

【作者基本信息】 南京航空航天大学 ， 管理科学与工程， 2002， 硕士

【摘要】 本文研究国有商业银行在加入WTO后国内银行业竞争环境发生剧烈变化条件下的竞争战略。本研究包括以下四个部分： 第一部分研究国有商业银行的现行竞争战略。首先厘定竞争战略的概念，分析制定竞争战略所必须考虑的关键因素；其次分析国有商业银行的现行竞争战略；最后进一步分析揭示国有商业银行现行竞争战略的隐含假设，得出结论：即国有商业银行的现行竞争战略是笼统、模糊与低效的。 第二部分研究国有商业银行加入WTO后的竞争环境。首先从产业竞争结构、同业竞争对手、宏观环境三个方面分析国有商业银行的外部竞争环境；其次从国有商业银行内部着手分析国有商业银行的自身能力与资源，从而为国有商业银行竞争战略的选择提供决策信息。 第三部分研究国有商业银行竞争战略的选择。首先揭示基本竞争优势是企业竞争战略的目标。接着引出实现基本竞争优势的三大基本战略。最后依据波特竞争战略选择模型进行国有商业银行竞争战略的选择，得出结论：总成本领先战略。 第四部分研究国有商业银行竞争战略的执行。首先分析国有商业银行的成本结构特性，得出结论：二维作业成本法是最佳的成本管理方法；其次建立以作业成本计算(ABC)为基础的成本计算系统，以作业管理(ABM)为基础的成本分析系统；最后解决国有商业银行几个历史遗留的成本问题。更多还原

【Abstract】 The subject of this paper is to study the competitive strategy of the national commercial bank after china takes part in the WTO, which includes four parts as follows:The first section studies the present competitive strategy of the national commercial bank. Firstly the paper defines the concept of competitive strategy and analyzes the four essential factors that must be considered in building the competitive strategy. Secondly the paper further reveals the hypothesis on the present competitive strategy and draws a conclusion that the present competitive strategy of the national commercial bank is general, vague and inefficient.The second section discusses the competitive environment of the national commercial bank after china takes part in the WTO. Firstly the paper studies the external competitive environment, which includes the analysis of industiy competitive structure, competitive opponent, and macro environment. Secondly the paper studies the internal competitive environment on the capability and resources of the national commercial bank, which provides the information for making a strategic decision.The third section probes the decision of the competitive strategy of the national commercial bank. Firstly the paper reveals that the competitive advantage is the aim of competitive strategy. Secondly the paper points out that there are three fundamental competitive strategies that can make the competitive advantage. Finally the paper makes a conclusion that the Cost-Leadership Strategy is the right competitive strategy for the national commercial bank.The last section focuses on the implementing of the competitive strategy of the national commercial bank. Firstly the paper analyzes the characteristic of the cost structure in the national commercial bank and points out that the Activity-Based Costing System is the best method on the cost management. Secondly the paper explains how to establish the cost counting system with ABC (Activity-Based Costing) and the cost analysis system with ABM (Activity-Based Management). Finally the paper puts forward the suggestions to solve the several past cost problems.更多还原