【作者】 张慧；

【导师】 齐红明；

【作者基本信息】 辽宁工程技术大学 ， 工商管理（专业学位）， 2018， 硕士

【摘要】 经济全球化背景下,我国的金融环境发生了深刻变化,城市商业银行为了寻求利润的增长点紧紧抓住对外开放和一带一路建设的契机,大力推进国际业务。葫芦岛银行作为典型的城市商业银行,虽在当地业务取得了较好业绩,仍存在瓶颈亟待解决。为探讨葫芦岛银行国际业务发展策略问题,本文运用战略管理、PEST分析、波特五力模型等分析方法,首先对葫芦岛银行国际业务现状进行分析,总结出当前存在的授信体制不完善、产品体系落后、客户群体单一、营销意识缺乏、业务人员专业技能不足、同业合作不强等问题。从产业资源、人才资源和信息资源三个角度对葫芦岛银行的内部环境进行分析;运用PEST分析法从政治法律环境、经济环境、社会环境和技术环境四个角度对宏观环境进行分析;运用波特五力模型从同行业竞争者、潜在竞争者威胁、替代品的威胁、供应商的议价能力、购买者的议价能力五个方面对行业竞争结构进行分析。在环境分析的基础上,对国际业务进行STP分析,对现有的客户进行分析,针对目标客户,采取差异化和专业化的定位。最后从发展理念、人才建设、管理体制、业务营销、产品创新、信息系统及代理行开发、业务渠道开发、授权管理等八个角度,对葫芦岛银行的国际业务发展提出建议。本文的研究以期能够为葫芦岛银行国际业务发展提供帮助,增强葫芦岛银行国际业务市场竞争力,提高盈利能力。更多还原

【Abstract】 Under the background of economic globalization,China has undergone profound changes in the financial environment,in order to seek profit growth point of the city commercial banks hold open and The Belt and Road construction opportunity,and vigorously promote the international business.As a typical city commercial bank,Huludao bank still has bottlenecks to solve,though it has achieved good performance in local business.In order to discuss the international business development strategy of Huludao bank,this paper uses strategic management,PEST analysis,Potter’s five force model and other analytical methods to analyze the current situation of Huludao bank’s international business,and conclude that the existing credit system is not perfect,the product system is behind,the customer group is single,and the marketing consciousness is lacking.There are many problems such as lack of professional skills and lack of cooperation in the industry.The internal environment of Huludao bank is analyzed from three angles of industrial resources,talent resources and information resources,and the macro environment is analyzed from four angles of political and legal environment,economic environment,social environment and technical environment by using the PEST analysis method;the Potter five force model is applied to the competitors and potential competitors from the same industry.The competition structure of the industry is analyzed from five aspects:threats of substitutes,bargaining power of suppliers and bargaining power of buyers.On the basis of environmental analysis,the STP analysis of international business is carried out,the existing customers are analyzed,and the target customers are differentiated and professionally positioned.Finally,from the development concept,talent construction,management system,business marketing,product innovation,information system and agency development,business channel development,authorization management,and other eight perspectives,the development of Huludao bank’s international business development proposals.The research in this paper can help Huludao bank’s international business development and enhance the competitiveness of Huludao bank’s international business and improve its profitability.更多还原