摘要
I
摘要
随着经济的发展和人们生活水平的提高，银行的市场竞争不断剧烈，在这
样的社会背景下，城市商业银行诞生了，进入 21 世纪后得到了空前的发展，城
市商业银行取得今天的业绩，经济了风风雨雨。城市商业银行在分类中属于地
方性银行的范畴，他的发展规模与城市经济发展存在着密切的关系。经济发达
的城市，商业银行的规模一般比较大。随着金融政策的不断出台，社会金融体
制的不断完善，城市商业银行的外部环境愈演愈烈。九江银行属于城市商业银
行，自问世之日起，得到了充足的发展，取得了骄人的业绩，然而九江市的银
行数量和规模不断增加，九江银行的竞争压力不断加大，九江银行的未来面充
满了挑战

笔者立足于城市商业银行的基本概念，对九江银行的内外环境进行了全面
系统的分析，接着对九江银行进行了更深层次的研究，主要包括九江银行以及
九江银行可持续性发展的战略方针。作者主要从六个章节对命题进行论述，第
一章是绪论部分,第二章是城市商业银行发展概述部分,第三章九江银行发展的
外部环境分析部分，第四章是九江银行发展的内部环境的分析部分，第五章是
九江银行发展的政策方针的制定和落实部分，第六章是对全篇文章的分析和总
结。笔者指出，九江银行的发展过程中，应当善于抓住外部环境中的机遇，完
善自身的不足，贯彻落实好九江政府出来的政策，紧跟时代改革步伐，抓住居
民消费转型的机会,推动自身创新,为中小企业和居民提供业务服务，提高银行的
市场占有率的前提下，实现经营规模和地域覆盖范围的扩大，立足于本土，走
向国际的宏伟蓝图而努力。为此，九江银行增强内部管理的投入力度，合理的
进行市场定位，树立人才资源是第一资源的经营理念，积极拓产业市场，进行
金融改革,为客户提供快速便利的具有银行特色的服务模式

关键词：九江银行；发展战略；市场竞争；城市商业银行ABSTRACT
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ABSTRACT
With the development of economy and the improvement of people&39;s living
standard, the market competition of banks has been increasing vigorously. Under such
social background, the city commercial banks have been born, and have entered an
unprecedented development after the 21st century. The commercial banks of cities
have achieved today&39;s performance, Economic ups and downs. Urban commercial
banks belong to the category of local banks in the classification, and the scale of his
development is closely related to the development of urban economy. Economically
developed cities, commercial banks are generally relatively large scale. With the
continuous introduction of financial policy, the continuous improvement of the social
and financial system, the external environment of urban commercial banks intensified.
Jiujiang Bank belongs to the city commercial bank, since the advent of the date, has
been sufficient development, and achieved remarkable results, but Jiujiang City, the
number and size of banks continue to increase, Jiujiang Bank&39;s increasing competition
pressure, Jiujiang Bank&39;s future The face is full of challenges.
Based on the basic concept of urban commercial banks, the author makes a
comprehensive and systematic analysis of the internal and external environment of
Jiujiang Bank, and then conducts a deeper research on Jiujiang Bank, including the
strategic policy of taking Jiujiang Bank and Jiujiang Bank&39;s sustainable development.
The first chapter is the introduction part, the second chapter is the outline of the
development of urban commercial banks, the third chapter Jiujiang Bank
development of the external environment analysis part, the fourth chapter is the
development of Jiujiang Bank internal Environmental analysis part, the fifth chapter
is the development and implementation of the policy policy of the development of
Jiujiang Bank, the sixth chapter is the analysis and summary of the whole article. I
pointed out that the development process of Jiujiang Bank, should be good at seizing
the opportunities in the external environment, improve their own deficiencies,
implement the Jiujiang government out of the policy, keep up with the pace of reform,ABSTRACT
III
seize the opportunity to transform the residents to promote their own Innovation, for
small and medium enterprises and residents to provide business services, improve the
market share of the bank under the premise of achieving the scale of operation and
geographical coverage of the expansion, based on local, to the international grand
blueprint and work. To this end, Jiujiang Bank to strengthen internal management
efforts, a reasonable market positioning, establish a human resources is the first
resource management philosophy, and actively expand the industrial market, financial
reform, to provide customers with fast and convenient banking characteristics of the
service model.
Key words: Jiujiang Bank; development strategy; market competition; city
commercial bank目录
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目录
第 1 章绪论.......1
1.1 选题的背景和意义 .....1
1.1.1 研究背景 ...........1
1.1.2 研究意义 ...........2
1.2 文献综述 .........3
1.2.1 关于城市商业银行 ........3
1.2.2 发展战略管理理论 ........4
1.3 研究内容与方法 .......10
1.3.1 基本思路 ..........10
1.3.2 研究方法 ..........10
第 2 章 我国城市商业银行发展概述...........12
2.1 城市商业银行的内涵 ...........12
2.2 城市商业银行的特点 ...........12
2.2.1 化解了信用社金融风险 .........12
2.2.2 有助于解决中小企业融资困境 .........13
2.3 我国城市商业银行的发展及其存在的问题 ...........14
2.3.1 大多数城市商业银行治理结构不完善 .........14
2.3.2 业务经营的地域限制 .15
2.3.3 市场定位不清晰，产品同质化严重 .16
第 3 章 九江银行发展的外部环境分析.......18
3.1 九江银行的发展现状 ...........18
3.2 宏观环境分析 ...........18
3.2.1 政治与法律环境 .........18
3.2.2 经济环境 .........19
3.2.3 社会文化环境 .19
3.2.4 技术环境 .........20
3.3 行业结构分析 ...........20目录
V
3.3.1 监管当局的约束和存款客户的挖掘 ...........
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