我国中小商业银行网络化发展战略的思考

【作者】 陈进；

【导师】 薛恒新；

【作者基本信息】 南京理工大学 ， 工商管理， 2003， 硕士

【摘要】 随着我国加入WTO、金融全球化、金融市场不断对外开放、金融监管不断趋向开放、技术不断进步，我国中小商业银行所面临的竞争日益激烈，利润率呈下降趋势，这迫使其寻找新的发展机会。 银行网络化发展给传统银行业带来了革命性的变革，信息技术的快速发展将从根本上改变商业银行的经营方式、服务手段和竞争模式，使中小商业银行赢得“后发优势”成为可能，为中小商业银行创造了跳跃性发展的契机。 本文运用波特竞争理论对我国中小商业银行的竞争环境进行了较为全面的系统分析，结合定量、定性分析，以及国内外银行业发展趋势，提出了我国中小商业银行网络化发展思路。运用SWOT方法，对我国中小商业银行实施网络化进行了分析。运用战略管理和信息化方面的模型和理论，对我国中小商业银行网络化发展战略中的各种策略进行了研究。最后结合具体案例，对我国中小商业银行网络化战略进行了实证研究。 本文对我国中小商业银行应对市场竞争、实施网络化发展战略具有较大的实际意义，对从事金融系统软件开发的IT企业也有一定参考价值。更多还原

【Abstract】 Along with joins the WTO’s, finance whole worldization and money market constantly open policy and finance is superviseed constantly to loosen and the technology is constantly progressive, and the competition that the middle and small commercial bank of our country is faced with is intense increasingly, and the profit margin is assumed trend, and this forces his to seek the new development chance.The bank cross-domain communication development brought the revolution of revolutionary character to traditional bank industry, the quickly development of information technology will in change the management method and service means and competition model of commercial bank on foundation, makes that the middle and small commercial bank gains " after a superiority " became the possibility, and created the follow-on moment of jumping nature for the middle and small commercial bank.This text, article, etc. uses the baud to be competed theory to have carried on the comparatively all-round systems analysis to the competition environment of middle and small commercial bank of our country, and combines fixed quantity, qualitative analysis as well as home and abroad bank industry development trend, and put forward the middle and small commercial bank cross-domain communication development train of thought of our country. Use SWOT’s analysis method, and puts into effect the cross-domain communicationization to the middle and small commercial bank of our country having carried on the demonstration completely. Use model and theory of strategy management and information aspect, and has carried on initial research to the various tactics in the middle and small commercial bank cross-domain communication development strategy of our country. Finally combining the concrete case, the middle and small commercial bank cross-domain communication strategy has been carried on authentic proof research to our country.This text, article, etc. should be competed and put into effect that the cross-domain communication development strategy possesses the bigger real meaning to the middle and small commercial bank of our country to the market, and also has to the IT enterprise that is engaged in the finance system software development certainly consulting value.更多还原