在华中外资银行竞争力比较及中资银行的战略选择

上海交通大学硕士学位论文在华中外资银行竞争力比较及中资银行的战略选择姓名：柳菲申请学位级别：硕士专业：工商管理指导教师：欧阳令南20050612SWOTTHECOMPARISONOFTHECOMPETITIVEABILITYOFDOMESTICANDFOREIGNFUNDEDBANKINCHINAANDDOMESTICBANK’SSTRATEGICDECISIONABSTRACTStartingfromthecaseofhowtheCITIBANKcreatedandmaintainedtheirpredominance,combinedwiththeresultofDAVIS’sresearch,thepaperbringsforwardtheissuethatifabankwantstobesuccessfulinarapidlychangingbusinessenvironment,itmustkeepitscompetitivepredominanceandimplementthestrategyofdiversifieddevelopment.ThepaperappliestheSWOTfirstly,comparingthecompetitiveabilityofdomesticandforeignfundedbankinChinafromtheaspectsofqualitativeanalysisofexteriorenvironmentandquantitativeanalysisoffinancialstatus.Theresultshowsthatalthoughthecomprehensivecompetitiveabilityofforeignfundedbankisstrongerthandomesticbank,thedomesticbankstillcanbesuccessfulwiththeadvantagedresourceofenvironment.Basedonthis,thepaperanalysesandcomparesthestrategyofdomesticandforeignfundedbankinChinaorientedfromtheirpredominance.Thecomparisonshowsthatalthoughthedomesticbank’sstrategymakesagooduseofitsadvantagesinsomedegree,duetonon-diversifiedcompetitionthedomesticbankstilllagsbehindforeignfundedbankinmostbusinessareas.Finally,thepaperstatesthatthedomesticbankshouldimplementdiversifieddevelopmentstrategyfromthreeareas,including:marketpositioningstrategy,combinedproductofprofessionalservicesstrategy,diversifiedsellingchannelsstrategy.Andthepapermakesdetailedanalysisandsuggestionaccordingtoeachstrategy.KEYWORD:domesticandforeignfundedbank,competitiveability,diversified,strategy20050507200505072005050711ModernBankinginTheoryandPracticeP22000MBA-1-20703-6-33%6%380903-6-3S&L901.11.1.17051IndividualInstitutionInvestmentBankingInformationInsurance8019907%100J·ReedReed199019921400013177711199319971903618.11%1.1.2199580MBA-2-1995199710040001.1.390199657%19971998469757513501610011-12003222003P3MBA-3-1.2198519893198419891984198950%3Davis,S.1985ExcellenceinBankingLondonMacmillan&Davis,S.1989ManagingChangeintheExcellenceBanksLondonMacmillanMBA-4-2080SWOTStrengthWeaknessOpportunityThreats2-1SWOT2.12.1.119811200410223204163200191452004220047151310050%2006327QFII1112100QFIIOpportunityThreatsStrengthWeaknessMBA-5-3200476431.82%30117.8%20047857200348%420032.35200120%5.042001126%2004720033.08%1.59%1.5%42.1.2200010032WTO12004829.75016%165621.5%2%2.1.318042002222003128200441200491200320050%50%4200412MBA-6-232.22.2.113.5121122.8422.431132055015022-12003-2004520032004%%%%151940.655.0145762.054.9169320.553.6162146.253.538169.713.836831.013.946972.214.945366.215.014621.75.314122.55.317056.35.416472.75.426509.29.626646.210.021247.07.720290.57.68984.43.38984.43.49100.03.37682.62.93969.01.43577.31.31468.30.51464.30.682640.926.279267.526.15MBA-7-384.80.1380.10.1276394.5100265740.9100315989.8100.0303252.5100.02003665%80%56%200354.172.564.023.291121.498205.61.441.183IT20032.415.19%.1.5916.86%15406.50%62.2.21234WTO6MBA-8-2.2.31234WTO2.32.3.11=/MBA-9--10.000.0010.0020.0030.0040.0050.0060.0070.0080.0090.00100.00Jp199920002001200220032-2715%10%2=/-0.500.000.501.001.502.002.503.00Jp199920002001200220032-382%712001-20042EUROMONEY2000Federalreservebulletin,domesticfinancialstatistics,Dec.2000/2001;AnnualReportsofCitigroupSocieteGeneralGroupJ.P.MorganChase&Co.andHSBCHoldingsplc.82-2MBA-10-1-1.5%0.4%90199920001%3=/0.005.0010.0015.0020.0025.0030.0035.0040.0045.00Jp199920002001200220032-4915%20%=/92-2MBA-11-0.005.0010.0015.0020.0025.0030.0035.0040.0045.0050.00Jp199920002001200220032-51019992000=/0.002.004.006.008.0010.0012.0014.00Jp199920002001200220032-6115%4102-2112-2MBA-12-=/=/=/0.0010.0020.0030.0040.0050.0060.0070.0080.0090.00Jp199920002001200220032-612-10.000.0010.0020.0030.0040.0050.0060.00Jp199920002001200220032-6132-214200020010.090.160.260.650.270.204.076.75122-2132-2142-2MBA-13-11.4011.9550.1916.2828.319.2818.497.908.447.755.124.71Jp11.262.685.103.91902.3.218%=/2-31520025.548.151.4412.578.5411.2512.7020035.526987.419.498.6412.0412.102004720042-41620042003152-216THEBANKER2004.7200432003MBA-14-11668.7112640.32263.3315.641.82.0812.002.6925554.3511053.7874.1635.315.10.6710.504.6033548.6310342.16128.1632.827.31.2412.002.7742440.507364.45158.8622.336.52.1611.871.1354431.677709.12100.37298.524.91.3011.791.5066377.8612854.7184.49/23.70.6611.354.8079370.039749.5084.36/25.20.8712.953.0987346.238062.07109.9229.333.71.3611.842.0198342.449504.4838.82/11.90.4111.385.601010BNP324.589889.8279.9718.326.00.8112.903.7016TOP100025132-51720042003/2137225.074294.320.54-89.60.30.0146.236.519.122516206.006378.293.21-61.51.50.0566.415.5221.242915185.794642.1312.15-27.16.00.2646.736.9816.293625164.353596.063.52153.22.20.1091.41/30.0710110249.111148.340.20-89.20.50.0241.557.4113.3120229120.35507.212.969.818.70.5842.508.90/21418718.82449.013.11-7.824.80.6947.87//26130814.86448.052.8631.122.80.6448.128.642.5327321714.35476.550.9833.36.60.2153.114.659.3431040511.96436.142.3053.523.60.5354.318.621.2934431810.37233.631.6049.215.70.6848.5710.795.9734844010.26293.451.49-0.220.40.5154.4510.324.234344007.66215.381.1127.015.60.5246.438.143.134