【作者】 刘俊强；

【导师】 王清晓；

【作者基本信息】 河南科技大学 ， 工商管理（专业学位）， 2012， 硕士

【摘要】 随着我国金融改革的不断深入，国内金融业竞争日益加剧，中国银行业“第三梯队”——城商行的发展环境也处在剧烈变化之中，作为其中之一的洛阳银行，如何进一步审时度势，直面机遇与挑战，找准自身目标定位及发展方向，及时调整发展战略及相应策略，着力寻求跨越式发展，已成为亟待解决的重要问题。研究洛阳银行经营战略，不仅具有一定的理论意义，更重的是具有很强的针对性和较大的现实意义。本文先从研究的背景和现实意义出发，首先分析了城商行及洛阳银行发展面临的宏观环境及行业环境，接着简单回顾了洛阳银行的发展变革历程，随后重点分析了洛阳银行在经营意识、发展取向、市场战略定位、业务创新能力、内部管理机制等现行经营战略中存在的一些问题，并进行了综合分析评价，最后紧紧围绕打造区域性商业银行的发展目标，从品牌、网点、客户关系、人力资源、资本运作等五大主要方面提出了一系列建议，为今后洛阳银行的持续发展拓展了思路。在具体研究方法上，以洛阳银行为对象，本着提出问题、分析问题和解决问题的思路，逐步展开研究工作；综合运用因素分析法、波特五力分析模型、价值链分析等战略分析模型，探寻洛阳银行在战略管理中存在的问题和不足；积极借鉴国内外商业银行战略管理经验，融合现代服务业发展的战略管理理论，按照轻重缓急的顺序，由重到轻、由急到缓，分层级逐步为洛阳银行跨区域发展经营探寻改革之路。希望该论文的研究成果也能为其它城商行的战略管理提供有益借鉴。更多还原

【Abstract】 As the financial system reform furthered in China, domestic financial industry isgrowing competitive, third echelon of China banking--city commercial bank’sdevelopment environment is also experiencing a drastic change. Luoyang Bank as oneof them, how to further sized up the situation, face to face with opportunity andchallenge, find their own goal orientation and the direction of development, adjustdevelopment strategy and the corresponding strategies, strive to seek the leapingdevelopment, has become an important problem to be resolved. Study managementstrategy of Luoyang Bank not only has certain theoretical meaning, and moreimportant, has very strong targeted and larger realistic significance.From the research background and real meaning, this paper firstly analyzes themacro environment and the industrial environment of the commercial banks andLuoyang Bank in development, then briefly reviews the development and reformcourse of Luoyang Bank, afterwards analyses some problems of Luoyang Bank in thecurrent business strategy about business consciousness, development orientation,market strategy positioning, business innovation ability, internal managementmechanism, etc, meanwhile carries out the comprehensive analysis and evaluation.Finally closely around becoming a regional commercial bank’s development goals,puts forward a series of suggestions from brand, outlets, customer relations, humanresources, capital operation on the five main, this expands ideas for Luoyang Bank insustainable development in future.As far as concrete research methods are concerned，the paper does the researchprogressively according to the way of proposing the problem，analyzing the problemand solving the problem with Luoyang Bank as an example, and explores the existingproblems and defects in the strategy management of Luoyang Bank comprehensivelybased on Factor Analysis Approach, Five-Factor Model, Value Chain, and so onstrategic analysis model. Through drawing lessons actively from the domestic and foreign commercial bank strategic management experiences, combining the modernservice industry development of strategic management theories, it gradually exploresthe road of reform for Luoyang Bank trans-regional development business accordingto the order of priorities by stratification principles, from the severe to mild or theurgent to slow. I hope the research results of this paper can also provide usefulexperiences for other city commercial banks in strategic management.更多还原