招商银行发展战略研究

上海交通大学硕士学位论文招商银行发展战略研究姓名：王波申请学位级别：硕士专业：工商管理(MBA)指导教师：欧阳令南20050109ARESEARCHOFCHINAMERCHANTSBANK’SDEVELOPMENTSTRATEGYABSTRACTAlongwiththeglobalizationoftheeconomy,China’sbankingindustryisundergoingarevolution.Theemphasisofsupervisionandregulationoffinancialsectorisbeingshiftedtowardsencouraginginnovation.Industrialcompetitionisbecomingmoreandmorefurious.Therequirementofthemarketonbankingservicesisdevelopingtowardsahigherlevelanddemandsarebecomingmoreandmorediversified.Toacommercialbank,opportunitiesandchallengescoexistinthemarket.Inthepast17yearsofdevelopment,ChinaMerchantsBank(“CMB”),leveragingonitsuniqueresourcesadvantageandoperatingcapability,haspreliminarilyestablisheditscorecompetences,includingnormativeenterprisemanagementsystemandinternalcontrolsystem,one-upcompetenceoftechnicaldevelopmentandinnovation,characteristicbusinessstructureandmarketingmechanism,andabusinessphilosophyof“Wechange,justforyou.”andavitalcorporateculture.However,inthefast-changingmarketenvironment,thesecorecompetenceshavebeenfacedwithchallenges,someadvantagesstartwaningandsomeunderlyingproblems,bothinsoftwareandinhardware,startemerging.ItmustbecognizedthatthereisstillahugegapbetweentheCMB’scurrentphaseofdevelopmentanditsvisionof“CMBfor100Years”.ForthepurposeofensuringCMB’svictoryinthepresentandfuturemarketrivalry,thewriterconceivedCMB’sdevelopmentstrategyinthenextfiveyears,basedonathoroughcognitionofinternalandexternalconditions.Ontopofthat,furtherstrategicthoughtsweregiventothreekeyissuesintheimplementationofthestrategy.ThedevelopmentstrategyofCMBinthenextfiveyearscanbeestablishedasfollows:theharmoniousdevelopmentofprofitability;continuousinnovationunderthesupportofadvancedinformationtechnology.Onthefoundationoftheabovebasicdevelopmentstrategy,thewriterwentdeepintothebank’sstrategicgoalsanditsstrategicpositioningonthetargetcustomer,targetbusinessareasandtargetgeographicmarkets.Afterthat,threekeyissuesintheimplementationofthestrategy,ie.organizationalrestructuringtowardsaflatandmatrix-likeorganization,theglobalizationofthebank’soperationandmanagementandtheconstructionofthebank’sinformationsystem,werefurtherelaborated.Onthesideoforganizationalrestructuring,athoroughrenovationshouldbecarriedouttochangetheexistingpyramid-likeorganization.Tolayafoundationfortheenhancementofmarketingability,managementqualityandefficiencyofoperation,aflatandmatrix-likeorganizationstructurefeaturinginmanagementbyproductlinewiththesupplementofmanagementbygeographicareashouldbeestablished.AccordingtoCMB’spresentoperationflowsandmanagerialfunctionsofvariousheadofficedepartments,theoperationandmanagementofthebankcanbedividedintoMarketingDepartments,ControllingDepartments,OperationDepartmentsandSupportingDepartments,eachofwhichfollowingdifferentprincipleandwayofmanagement.Intheselectionofrestructuringroute,simultaneouscrossrestructuringof“lines”and“blocks”couldbechosen.Onthesideofglobalization,thecontentsincludetheglobalizationofmanagement,theglobalizationofbusiness,theglobalizationofhumanresource,theglobalizationofthebank’scapitalandtheglobalizationofthebank’soperatingnetwork.Onthetacticoftheglobalizationofthebank’soperatingnetwork,firstthebankshouldoptimizethemanagementmechanismofitsinternationalbusinessandlayemphasisonexploringonshorecustomersthathavetransnationaloperations.Thenthebankshouldimplement“goingout”strategyandchooseEastAsiaeconomiczonetobetheprimarytargettoexpanditsnetwork.Onthesideoftheconstructionofthebank’sinformationsystem,thebankshouldaimatsolidifyingandimprovingthebank’scorecompetence,andestablishanopen,highlyefficientandhighlysecuremodernbankinformationsystemofbasicallythelevelofsomeleadinginternationalpeers,whichisbasedontheconsolidationofanintegratedcustomerservicesystem,anintegratedtransactionprocessingsystemandanintegratedmanagerialdecisionsupportsystem.Onthebasisoftheabove,thewritermadefurtherrecommendationsonthetacticsoftheconstructionofbank’sinformationsystem.KEYWORDS:bank,strategy,organizationalrestructuring,globalization,informationsystem20051811987482002315200249600036303605090010068.485388194.3lllll211999702002WTO234WTO70%3520042.47%2.61%5191796.8849236.8333644.5425852.1832507.308853.304735.953961.623771.52100.00%25.67%17.54%13.48%16.95%4.62%2.47%2.07%1.97%135846.0035439.7025152.5317184.0421481.865584.663547.093076.962719.90100.00%26.09%18.52%12.65%15.81%4.11%2.61%2.27%2.00%191796.882291.062728.541644.463648.612463.423597.44148.9012711.19100.00%1.19%1.42%0.86%1.90%1.28%1.88%0.08%6.63%135846.001799.812128.501337.092955.321958.162634.06106.408739.93100.00%1.32%1.57%0.98%2.18%1.44%1.94%0.08%6.43%200410211056————IT————7——————————————200249A0.8%81.2%1.5%200212.57%20039.49%200468.1217.2%13.2%200350394.8%5.9%8.2%55951011——————12200380/20136200397.1298.1299.1200.1201.1202.1203.120328.03%27.80%27.66%26.64%25.73%24.72%23.72%116.43%16.63%16.94%17.15%17.00%16.94%17.29%213.31%13.28%13.48%13.80%13.88%14.21%13.92%38.02%8.54%8.81%8.85%9.01%9.32%9.59%41.68%1.71%1.74%1.88%2.14%2.37%2.51%50.06%0.07%0.06%0.12%0.18%0.24%0.32%70.35%0.31%0.27%0.26%0.2