W商业银行二级分行的经营战略研究

华中科技大学硕士学位论文W商业银行二级分行的经营战略研究姓名：王伟峰申请学位级别：硕士专业：工商管理指导教师：刘芳20061029IWPESTSWOT23’salsotheconcentrativeexpressionofbusinessidea,businessmethods,thetransformationofbusinesssystemandinnovation.Asthefinancialindustryinchinaisgraduallyopeningupandthefullazimuthcompetitionepochinthisareaiscoming,thebusinessstrategystudyisincreasinglybecomingthecoreissueinthedevelopmentofcommercialbanks.Inthispaper,asecondarybranchofastate-ownedcommercialbankinaprovincialcapital(hereinafteritwillbereferredtoasWcommercialbank)istakenastheobjectofstudy,PESTandSWOThavebeenusedasthestrategyanalysistoolstoanalyzeitsexternalcompetitionenvironmentanddevelopmentstatusofinternaloperation,andthenmappedouta2-3yearsbusinessstrategyplanningforthebank.First,byanalyzingtheexternalenvironmentofWbank,thispaperpointsoutthatasthefinancialmarketofourcountryisentirelyopen,Wcommercialbankwillbeconfrontedwithacompetitiveenvironmentinwhichthecompetitionwillbemoreintensivehomogenizationphenomenonisimprovedinsomedegreeandthecharacteristicsofeachbankwillappear.ByanalyzingtheinternaloperationstatusofWcommercialbankfromdifferentaspects,suchasproductlinestructure,benefits,organizationalstructure,humanresourceandsoon,toshowthatthebankhasacompleteproductline,nicerbenefitsinretailtrade,excellentcreditasset,stablegroupofcustomersandrelativeadvantageonbrand;however,atthesametime,thedataalsoshowsthattherearesomeproblemsinthisbank,it’sthedisadvantagessuchasalowdegreeuseofinformationtechnology,thepoorqualitystaff,imbalancebetweenoperationandthestructureofincome.Afterconsideringtheopportunitiesandthreats,advantagesanddisadvantagesofthebanksynthetically,thepaperfurtherusestheassembledstrategytoolstoestablishtheBank'sfuturedevelopmentdirectionandpositioningstrategy,andproposedadetailedstrategicplanningandscheme.Thispaperpresentsthattheimplementofnewstrategyshouldtaketheimprovingtheuseofinformationtechnologyinmanagementandtheexpandingmarketshareofelectroniccommercialbankasthemainobject,continuouslyimprovethemarketcompetitivenessofthebank.Keywords:BusinessstrategicSWOTanalysisThefinancialmarket111.1WTO12113500020000204000,,200512,252006,,2006,1“”WTO2(28515(340WTO(4WTOWTO(51.2WSWOTSWOT3SWOTSWOTSW41.3WW2(W)110003546%”2.3WHWWHWH*374.20%133.74%2D1.65%31.97%551.33%211.61%3W50.42%16.67%42.55%5-18.94%4E23.17%211.30%212.77%3-48.16%5F-8.54%417.40%16.91%4185.95%1C-0.92%522.01%332.57%1-52.33%513D5.67%319.96%419.19%223.51%1W12.71%117.19%58.48%4-3.98%3E4.05%427.53%22.94%5-36.44%4F11.24%233.06%117.32%38.04%2C2005320042005W2.3.3W1WH2WF3W143WWHW3.1WW199920053-120051999217.96%186.29%365.85%20051996169.49%200320031999-2005()0200400600800206258337407468579655124153205228244290355821051321792242893001181582312822873083182.87.91639699812619992000200120022003200420053-11999-20051999-2005W15W199920013-229.28%2002199945.89%200320032005200421.23%W1999-2005W()1500001200009000060000300000199920002001200220032004112846200582669938721058751339161436511308723-21999-2005W1999-2005W3.2200526021%16W3.2.1120056W65159933179286198065200563-13-155165703272404494172913062708852117A69714B238423265860534A53445B7089558106211542005W173-1W20056WW9718-5526457142//11IT97813001-500041300035500180001680008W5000VIP7835-551825-35604060//1176VIP1225VIP200533.713-2WW183-220051555191.62%1591593.16%3146692.39%14058.28%11656.82%25707.55%180.11%30.02%210.06%16974100%24.99%17083100%25.15%34057100%50.14%34.52%32.94%33.71%2005W2W507237586031580.11385062.91W3001-8000/602645753-33-43-33-43-31553550913038043507237.00%18.00%75.00%100.00%171168920860319.89%80.11%0.00%100.00%24221231197385062.91%31.97%5.12%100.00%1200562192005W3-42005W38%12%5%26%19%15001501-30003001-50005001-80001000034%13%44%9%18-2526-3536-4546-553-33-42005W4.893-5200500.00%00.00%00.00%823.62%1716.41%2535.13%218696.38%249793.59%468394.87%2268100%31.94%2668100%37.58%4936100%69.52%30004.68%18-2512.35%3001-500023.58%26-3542.53%5001-800035.89%36-4532.96%8001-1000017.56%46-558.56%1000010.76%204.61%5.14%4.89%2005W333-63-6310009916026055375250000213190798318200321723824500172500