S银行竞争战略研究

【作者】 孙亮；

【导师】 杨东涛；

【作者基本信息】 南京大学 ， 工商管理（MBA）（专业学位）， 2018， 硕士

【摘要】 2017年是全球经济自2008年金融危机爆发以来的第十个年头,当前全球经济仍然处于缓慢复苏之中,世界主要发达经济体都在采取各种常规和非常规手段来达到促进经济增长、促进经济结构调整的目的。从国内看,我国经济发展“稳”字当头、下行压力较大,供给侧结构性改革深入推进、任务艰巨,货币政策更趋稳健,金融监管政策更加规范。同时,技术进步不断加快,以大数据、云计算、移动互联、区块链、人工智能等为代表的金融科技正在不断快速革新金融产业链上的各个环节。日益复杂的国内外部环境要求我国的商业银行要加快企业转型,以科技进步带动金融发展,提高自身竞争优势,助力国家经济复苏。本文选择S银行为研究对象,运用竞争战略相关理论,采用PEST和SWOT分析方法,通过对企业自身经营情况、外部宏观环境和行业环境的研究分析,得出S银行需要通过充分降低成本来提高竞争优势,制定出与S银行经营管理相配称的竞争战略,即总成本领先战略,并提出具体战略实施内容和保障措施。本文共分七章,第一章介绍了研究背景和意义、研究方法和框架,说明“为什么”研究和“怎么样”研究;第二章简述竞争战略的相关理论知识,说明本文研究的理论基础;第三章介绍了S银行发展历史、取得的成绩和当前业务经营状况,分析了企业内部环境的情况;第四章详细分析了 S银行所处的行业环境和宏观环境,运用SWOT分析对S银行自身的优势、劣势和面临的外部机遇、威胁分别进行了阐述;第五章制定S银行的战略目标和战略原则,并分别提出ST、S0、W0、WT战略,最后制定出S银行的竞争战略;第六章提出S银行竞争战略四个方面的具体实施内容,明确配套的风险和人力资源等方面保障措施,把纸面上的东西转化为企业的具体行动,确保战略得以落地;第七章对全文的研究分析进行回顾总结,并提出本次研究的不足之处和对今后研究的建议。更多还原

【Abstract】 2017 marks the tenth year after the 2008 World Financial Crisis.The current global economy is still recovering slowly.The world’s major developed economy entities are taking a variety of conventional and unconventional means to stimulate economic growth and promote economic restructuring.From the domestic perspective,economy in China is developing at a steady pace despite great economic downward pressure.We still face the arduous task of structurally reforming supply chain,stabilizing monetary policy,and standardizing financial regulatory policy.In the meantime,technology is developing rapidly.The existence and development of large data,cloud computing,mobile Internet,block chain,artificial intelligence are constantly changing every aspect of the financial industry.Increasing complexity of domestic and external environments require Chinese commercial banks to speed up the reformation of their enterprises,strategically use technology to promote financial development,improve their competitiveness,and help with the recovery of Chinese economy.This paper chose S Bank as our research subject.Based on the theory of competitive strategy,we used the PEST and SWOT analytic methods to evaluate the management of the enterprise itself.We analyzed the internal environment of S Bank,the external macro-environment and industry environment,arrived at a conclusion that it is necessary to reduce the cost to improve the competitive advantage,formed overall cost leadership strategies appropriate for S Bank,and provided detailed implementation plan and safeguard measures.This paper consists of seven chapters.The first chapter introduces the research background,research significance,research methods and the research framework.It also explains the "why"this research and "how" to conduct the research.The second chapter conducts a literature review on the theories of competitive strategies in order to provide a theoretical basis for the current research.The third chapter presents the history of S bank,the achievements,the current business situation,and the analysis of its enterprise internal environment.The fourth chapter analyzes the industry environment and macro-environment of S Bank in detail,and uses SWOT analysis to evaluate S Bank’s advantages,disadvantages,opportunities as well as threats it is facing.The fifth chapter develops the strategic objectives and principles for S Bank,specifically,the strategies of ST,SO,WO and WT,and finally Competitive Strategy.The sixth chapter puts forward the four aspects detailed implementation plans of S bank competition strategy and specific supporting measures of risk and human resources in order to turn what is on paper into action.The seventh chapter summarizes the current study,points out limitations,and provides suggestions for future research.更多还原