【作者】 唐向阳；

【导师】 秦建文；

【作者基本信息】 广西大学 ， 高级管理人员工商管理， 2013， 硕士

【摘要】 自从上世纪70年代末实行改革开放以来,我国金融市场的运行机制和政策体制都产生了巨大的变化。在完善社会主义市场经济体制金融业加快改革开放力度之时,中国的商业银行处在了一个重要的历史转型期,开始了由生存向做大做强的竞争,如何应对激烈的竞争已成为我国银行业当前面临的紧要课题。在银行业日趋激烈的市场竞争中,各商业银行必须充分利用金融市场的差异,结合自身的特点进行战略规划,制定切实可行的市场战略,从而找到未来的市场竞争中自身的核心竞争力。因而对商业银行发展战略问题进行研究,就具有非常重要的意义。本文以永福农村合作银行作为研究对象,运用战略管理相关理论,对其发展战略进行分析。作为一家新诞生的新兴地方性商业银行,相对于国有商业银行和股份制商业银行,永福农村合作银行明显处于弱小的位置,无法与大型金融机构展开对大企业客户的争夺,但同时又有自己的独特优势,基本上按照现代企业制度建立了比较完善的法人治理结构,对本地的中小企业拥有信息优势,对市场的反应相对快速、灵活,管理层次少,自主性强,具有一定的创新活力。因此,永福农村合作银行面对激烈的市场竞争,必须充分利用金融市场的差异并结合自身的优劣势,扬长避短,针对中小企业信贷市场,制定切实可行的市场战略,从而确立未来市场竞争中自身的核心竞争力,在激烈的竞争中生存并不断壮大。本文通过对永福农村合作银行发展战略的分析,研究了其发展战略定位,并提出了符合其实际的发展战略,对其的中长远发展,具有一定的借鉴指导意义和参考价值。更多还原

【Abstract】 Since the reform and opening up in the late1970s, the operating mechanism of China’s financial markets and policy regime have had a huge change. Improve the socialist market economic system, the financial industry to speed up the reform and opening up, China’s commercial banks in an important historical transition, began to become bigger and stronger competition from survival to how to deal with the fierce competition the banking industry is currently facing a critical issue. In the increasingly fierce market competition in the banking sector, the commercial banks must take full advantage of the differences of the financial markets, combined with its own characteristics, strategic planning, market strategy to develop practical in order to find their own core competitiveness in the future market competition. Therefore study the strategic issues of the development of the commercial banks, it has a very important significance.In this paper, the Yongfu rural cooperative banks as the object of study, the use of strategic management theory, analysis of its development strategy. Emerging as a new birth of local commercial banks, relative to the state-owned commercial banks and joint-stock commercial banks, the Yongfu rural cooperative banks significantly in a weak position, unable to expand compete for large corporate customers with large financial institutions, but at the same time has its own unique advantages, basically a sound corporate governance structure established in accordance with the modern enterprise system, information advantage of local SMEs have relatively quick response to market, flexibility, fewer management layers, autonomy, the innovative vigor. Therefore, the Yongfu rural cooperative banks face of fierce market competition, and combine their strengths and weaknesses, weaknesses, credit market for small and medium enterprises, to develop a viable market strategy must take full advantage of the differences in financial markets, in order to establish future market competition itself core competitiveness to survive in the fierce competition and growing.Through the analysis of the strategy of development of rural cooperative banks in Yongfu, its strategic positioning and development strategy in line with their actual, its long-term development, has some reference significance and reference value.更多还原