【作者】 陈雷；

【导师】 李天德；

【作者基本信息】 四川大学 ， 金融学， 2004， 硕士

【摘要】 在中国加入世贸组织之后，商业银行市场开放进程进一步加快，银行业竞争格局由寡头垄断竞争市场向一般垄断市场过渡。差异化竞争策略作为现代企业的重要竞争手段之一，在一定程度上能够很好地适应目前中国银行业市场的竞争特征。立足于现实，着眼于未来，需要我们客观地分析外资商业银行的差异化经营发展模式，取长补短，研究中资商业银行的差异化策略。这将有助于我们利用过渡时期抓住机遇，争取在国际金融竞争中居于有利地位，维护我国金融业，特别是商业银行体系的稳定健康发展。 全文围绕银行差异化竞争的主线，按照理论、实证、应用研究的基本思路，分为五个主要部分。第一部分，差异化竞争的相关理论。在明确差异化竞争这一概念的基础上，主要介绍了波特等人的差异化竞争理论、帕累托原则、金融创新理论中的相关理论：第二部分，中国银行业的竞争格局。在对中国银行业竞争沿革进行简单回顾的基础上，引入CRn指数对中国银行业竞争格局的发展趋势作出判断，指出中资商业银行必须尽快建立完善的市场竞争策略；第三部分，实施差异化策略的必要性分析。通过对常用竞争手段的比较分析，指出差异化竞争策略是当前中资商业银行的必要选择；第四部分，实证研究。在对花旗银行差异化竞争的研究基础上，通过实证分析，归纳国外商业银行差异化竞争策略的实施过程和主要内容；第五部分，对我国商业银行实施差异化策略的探讨。结合当前我国宏观经济环境、金融运行态势和银行业务的发展现状，指四川大学硕士学位论文出中资商业银行的业务优势和不足，并借用一些己有的相关研究成果，探讨了中资银行在竞争中如何有效应用差异化竞争策略。关键词:银行、竞争、差异化更多还原

【Abstract】 After China’s access to the world trade organization, the opening of the commercial banking market is accelerating. The competition in the market is changing from monopoly to the oligopoly. One of the most important competition methods for the modern enterprises is diversified competition strategy. In a sense, it fits to the competitive feature of the modern banking market. The strategy "base on the present and look for the future" ask us to analyze the diversified operation model of the foreign banks objectively and learn from their strong points to offset our own weakness. This will helps us to grasp the opportunities in this transitional period in order to have a better position in the international financial competition and safeguard our financial industry especially our commercial banking system to develop healthily and smoothly.The full text centers on the thread of diversified competition of the bank, according to the basic trains of thought of the theory, real example, application study, divides into five main chapters. The first chapter is diversified competition theory. On the basis of defining that diversified competes for this concept, it introduces the diversified competition theory of Potter, 80/20 principle, finance relevant theory mainly. The second chapter is competition pattern of the Chinese banking. On the basis of reviewing to the competition evolution of Chinese banking briefly, introducing CRn index will make the judgement to the development trend of the competition pattern of Chinese banking, point out that the Chinese-funded commercial bank must set up perfect market competitive strategy as soon as possible. The third chapter is necessity analysis about the diversified competition. Through the comparative analysis tothe daily competitive method, point out that the diversified competitive strategy is the essential choice of the present Chinese-funded commercial bank. The fourth chapter is example research. On the basis of research about the competition strategy of CITIBANK, sums up the implementation course of the foreign diversified competitive strategy of commercial bank and main content. The fifth chapter is the implement discussion of the diversified strategy to the commercial bank of our country. In this chapter, I combine the present macro-economy environment of our country, the current situations of the development of financial operation situation and banking, point out the business advantage and deficiency of the Chinese-funded commercial bank. And use some existing relevant research results to discuss how to use the diversified competitive strategy effectively after probing into China-funded bank in the global competition.更多还原