【作者】 王宇；

【导师】 葛淳棉；

【作者基本信息】 华南理工大学 ， 工商管理（MBA）（专业学位）， 2023， 硕士

【摘要】 商业银行在我国金融市场中的地位举足轻重,对国内经济增长的促进、金融业创新发展的推动等领域均贡献巨大,是社会经济发展的催化剂。随着商业银行牌照的不断增多,金融市场化进程(如典型的利率市场化)不断推进,加之传统商业银行的公司信贷同业务的高度同质化,使其同业竞争的情况也愈演愈烈。进入2021年,我国来到“十四五”规划的开局之年,我国社会发展处于重要战略机遇历史时期,中国银行业的发展进入后疫情时代,势必将要求国内商业银行进一步持续金融结构性供给侧改革,更好地融入国际国内“双循环”的发展新格局,种种的市场因素对商业银行的发展提出了更高的要求。作为中国工商银行(亚洲)有限公司在中国内地的业务旗舰,工银亚洲华商银行在日常经营中,以境内外公司信贷业务为主要核心,跨境公司信贷业务及房地产信贷业务贯穿了其公司客户群体、业务研发及营销拓客等各项工作中,尤其是房地产相关的公司信贷业务系其最基础、最重要、最直接的利润来源。愈发复杂的国际形势加之国内经济下行及商业银行公司信贷业务的高度同质化竞争等因素相叠加,使研究工银亚洲华商银行公司信贷业务竞争战略具有较高现实意义。本文将工银亚洲华商银行作为研究案例,在国际环境及国内房地产为代表的市场均有较大程度转变的背景下,运用战略分析工具及访谈等方法,指出其目前公司信贷业务竞争战略所面临的问题,并结合其对应银行业的内外部环境分析,针对性研究其公司信贷业务竞争战略并提出相关转变思路。最终通过多重分析手段得出工银亚洲华商银行应在未来的公司信贷业务发展中采取差异化的竞争策略。最后,本文得出工银亚洲华商银行面临的外部环境机会大于威胁,面对外部环境变化能做出较好反应及工银亚洲华商银行的内部环境优势大于劣势,具备较好的发展条件等结论,并针对结论具体深入分析,为工银亚洲华商银行未来的公司信贷业务竞争战略提供一定的发展思路。更多还原

【Abstract】 China’s market economy relies heavily on the contribution of commercial banks,which are instrumental in promoting economic growth and financial industry innovation.Moreover,commercial banks serve as a catalyst for social and economic development.With an increasing number of banking licenses being issued and the ongoing process of interest rate marketization,competition within the corporate credit sector of commercial banks has become more homogeneous.As China enters 2021,the opening year of the 14 th Five-Year Plan,the country’s social development is in a historical period of important strategic opportunities,and the development of China’s banking industry enters the post-epidemic era,which will inevitably require domestic commercial banks to further continue their financial structural supply-side reforms and better integrate into the international and domestic "All these market factors have placed higher demands on the development of commercial banks.As the business flagship of ICBC(Asia)Limited in China’s mainland,ICBC Asia Chinese Mercantile Bank focuses on domestic and overseas corporate credit business as its core business,and its cross-border corporate credit business and real estate credit business are integrated into its corporate customer base,business research and development,and marketing and customer development.The company’s real estate-related credit business is its most basic,important and direct source of profit.The combination of the increasingly complex international situation,the domestic economic downturn and the highly homogeneous competition in the corporate credit business of commercial banks makes it highly relevant to study the competitive strategy of ICBC Asia Chinese Mercantile Bank’s corporate credit business.In this paper,ICBC Asia Chinese Mercantile Bank is used as a case study to identify the problems faced by its current corporate credit business competitive strategy and to propose relevant ideas for its corporate credit business competitive strategy,taking into account the internal and external environment of its corresponding banking industry.Finally,through multiple analysis tools,it is concluded that ICBC Asia Chinese Mercantile Bank should adopt a differentiated competitive strategy in the future development of its corporate credit business.Finally,the paper concludes that the external environment of ICBC Asia Chinese Mercantile Bank is more opportunistic than threatening,that it can respond well to changes in the external environment and that the internal environment of ICBC Asia Chinese Mercantile Bank is more advantageous than disadvantageous and has better conditions for development,and provides some development ideas for ICBC Asia Chinese Mercantile Bank’s future corporate credit business competition strategy.更多还原