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本文以A银行天津分行为例,深入剖析其发展历程,对其核心竞争力进行研究
首先,本文对该行的发展历程、现状及未来的发展趋势作了简要描述。在经营状况方
面,其安全性,流动性和盈利性都具有良好的表现;在银行治理方面,拥有较好的人
力资源结构及公司文化。研究发现A银行天津分行在核心竞争力方面拥有着宏观环境、
风险控制、经营创新、市场运营和组织管理等多方面的有利因素,但同时也面临着一
些劣势。如何提高该行的核心竞争力水平,本文提出了具体的建议,主要分为风险控
制、经营创新、市场运营、组织管理四个方面。这对于该行的发展具有现实指导意义
具体研究内容如下:第一章绪论,主要进行论文研究背景以及意义的简介,针对国际
范围内的有关文献进行总结,阐述了论文的有关内容以及研究方法;第二章主要介绍
相关概念及理论,主要内容有核心竞争力相关知识的意义、特点,在此基础上对商业
银行的核心竞争力的内涵、内容以及影响因素进行具体分析讨论;第三章主要对A银
行天津分行的核心竞争力进行介绍,将其存在的问题提出,主要内容包括了该行的简
介、现在的发展状况、经营环境与趋势,对该行存在的竞争力方面的优势进行深度探
讨,对其中的风险管理、营销创新、市场运作以及系统管理等问题进行详细的分析
第四章分别从风险控制能力、经营创新能力、市场运营能力、组织管理能力四个方面
来就如何提升A银行天津分行核心竞争力进行了讨论,给出了一些具体的建议。第五
章对全文进行了总结。对本文的研究结果和不足进行了总结,并对未来进行了展望
关键词:提升核心竞争力核心竞争力竞争优势 Abstract
Abstract
In recent years, with the rapid development of China!s economy and society, the
financial industry has become a pillar industry in the market economy. Commercial banks
play a dominant position in the financial industry. Joint-equity commercial bank has an
important position in Chinas commercial banks. Since the beginning of the new century, the
world economy has been developing in an all-round way. The economic development of our
country is closely connected with the development of the world economy; however, the
disadvantages of our financial development become more and more evident With the advent
of the Internet era, the financial market of our country began to incorporate foreign banks,
and the emergence of the marketization of interest rate and the deposit insurance system and
other measures. This is a challenge for China’s commercial banks second tier joint-equity
commercial banks, not only an opportunity. In recent years, government vigorously support to
tiie construction of Beijing Tianjin Hebei Economic Zone, the construction of new
urbanization and comprehensive services in Tianjin Binhai New Area construction. Whether
A Bank Tianjin Branch can take the opportunity to win progress, the core competitiveness lies
in the enterprise.
Taking Tianjin branch of A Bank as an example, this paper analyzes its development
process and studies its core competitiveness. First of all, this paper briefly describes the
development history,present situation and fixture development trend. On the operating
conditions, the bank has a good performance in the safety, liquidity and profitability. On the
bank governance, it has good structure of hximan resoxirce and good company culture. The
study found that A Bank Tianjin branch has some advantages in the core competitiveness such
as macroeconomic environment, risk control, business innovation, market operation and
management,but also it faces some disadvantages. How to enhance the core competitiveness
of the bank, this paper puts forward some specific proposals. It mainly divides into risk
control, management innovation, market operation, organization and management of four
aspects, which has practical guiding significance for the development of the bank. The
specific contents are as follows: the first chapter is the introduction, the main thesis research
background and significance of the introduction. According to the relevant literatures in the
international scope are summarized, expounds the method of the content of this thesis and
research. The second chapter mainly introduces the related concepts and theories. Main
content is the meaning and quality of core competitiveness. This paper discusses the Abstract
connotation, content and influencing factors the core competitiveness of commercial banks
specifically. The third chapter mainly analyzes the core competitiveness of the Tianjin branch
of A Bank. The main contents include the brief introduction of the bank, now the environment
and development. It discusses the advantages of the core competitiveness in-depth. It
analyzes the problems of the risk assessment and avoidance, marketing innovation, market
operation and management system. The fourth chapter discusses how to enhance the core
competitiveness of the Tianjin branch of A Bank from the control and management innovation
ability,market operation ability,organization and management capacity and gives some
specific suggestions. The fifth chapter summarizes the fUll paper. The research results and
shortcomings of this paper are summarized, and the future is prospected.
Key words: enhance core competitiveness, core competitiveness, competitive advantage
目录
第1章 绪论 1
1.1研究背景及意义1.2国内外研究综述1.2.1企业核心竞争力研究综述1. 2. 2商业银行核心竞争力研究现状L 2. 3研究评述1.3研究方法及主要内容1.4本文的创新点第2章企业核心竞争力理论分析2.1核心竞争力理论概述2. 1.1核心竞争力内涵及特点2. 1. 2企业核心竞争力的影响因素2.2商业银行核心竞争力理论2.2.1商业银行核心竞争力内涵2. 2. 2商业银行核心竞争力内容2.2.3影响商业银行核心竞争力的因素第3章 A银行天津分行核心竞争力诊断3.1 A银行简介3.1.1 银行简介3.1.2发展现状3.1. 3发展环境及趋势3.2 A银行天津分行竞争优势分析
21
3.2.1 风险控制方面
21
3.2.2 经营创新方面
21
3. 2. 3 市场运营方面
21
3.2.4组织管理方面
22
3. 3 A银行天津分行竞争力具体指标分析
22
3.3.1偿债能力指标
22
3.3.2银行规模指标
23
3.3.3安全性指标
25
3. 3. 4 盈利性指标
25
3.4 A银行天津分行核心竞争力存在的问题
27
3. 4.1风险控制存在的问题
28
3.4. 2经营创新存在的问题
28
3.4.3市场运营存在的问题
29
3.4.4组织管理存在的问题
29
第4章 A银行天津分行核心竞争力提升对策
30
4.1风险控制能力的提升
30
4. 1. 1引进专业人才加强风险管理
30
4.1.2优化资本结构注重风险分散
30
4_ 2经营创新能力的提升
31
4.2.1加强业务创新开展中间业务
31
4. 2. 2加强服务创新适应环境需求
31
4.3市场运营能力的提升
32
4. 3_ 1提高经营效率增强盈利能力
32
4. 3. 2转变销售模式实现“人电”合作
32
4.4组织管理能力的提升
33
4. 4.1明晰部门职能优化组织结构
33
4. 4. 2改进考评机制制定有效措施
33
4.4. 3引进专业人才促进IT战略实施
34
第5章 结论 35
辦翅 37
舰 41
第1章绪论
第1章绪论
1.1研究背景及意义
从全球范围来看,中国于2001年加入WTO以后,金融业得到迅速发展,外资银行
在我国银行市场占据的比重越来越大。为了应对日益严峻的国际竞争,我国于2005
年推行股权分置,给资本市场以重大冲击。随着中国经济实力的发展,综合国力的增
强,与国际交往越来越密切,银行业也实现了完全对外开放,开始在国际资本市场上
与国际银行角逐;2008年美国爆发金融危机,蔓延至整个世界的金融业,我国也深受
其害;2012年上半年,世界金融业再次受到欧债危机的重创,这给商业银行以深刻的
教训,提高自身的核心竞争力是应对经济一体化趋势带来的国际竞争的关键所在
从国内来看,党的十六大到党的十八届三中全会,温家宝、李克强等国家领导人
在政府报告和相关会议上指明新型城镇化建设是我国经济发展的“中长期动力”,是扩
大内需,促进经济发展的“新引擎”,彰显了新型城镇化在我国经济社会发展中的重要
作用,而商业银行,这个金融业的主体,必然应为此提供重要的资金支持。美国于1993
年实行的存款保险制度现己被世界大多数国家釆用,用来应对银行业出现的挤兑现象,
尽管建立存款保险制度能够增强银行资金的流动性和安全性,然而我国当前金融业的
发展状况却很难保证在实行存款保险制度后仍然保持高速发展,这对于我国商业银行
来说是个重任。1997年招商银行的“一网通”业务开启我国的电子银行业务。随着人
们生活水平的提高,越来越多的
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