蘇州農(nóng)行論文：蘇州農(nóng)行縣域電子銀行戰(zhàn)略研究

1、【中文摘要】隨著我國(guó)金融體制改革步伐的加快及電子信息技術(shù)的快速發(fā)展，電子銀行業(yè)務(wù)已經(jīng)成為商業(yè)銀行賴以生存發(fā)展不可或缺的競(jìng)爭(zhēng)手段。近幾年來(lái)，工、農(nóng)、中、建等大型商業(yè)銀行紛紛加快電子化建設(shè)步伐，電子銀行業(yè)務(wù)的同業(yè)競(jìng)爭(zhēng)已逐漸從城市地區(qū)向縣域蔓延,競(jìng)爭(zhēng)日趨激烈。作為一個(gè)二級(jí)分行，蘇州農(nóng)行兼具業(yè)務(wù)管理和業(yè)務(wù)經(jīng)營(yíng)的二重特性，目前該行正處于經(jīng)營(yíng)轉(zhuǎn)型期，發(fā)展電子銀行業(yè)務(wù)是當(dāng)前轉(zhuǎn)型的重點(diǎn)工作之一。與同業(yè)相比，蘇州農(nóng)行電子銀行業(yè)務(wù)的發(fā)展重心在縣域，五大縣域支行在當(dāng)?shù)鼐哂幸欢ǖ木C合競(jìng)爭(zhēng)優(yōu)勢(shì)，但也面臨著較大的競(jìng)爭(zhēng)壓力，解決好縣域電子銀行業(yè)務(wù)的發(fā)展問(wèn)題，將對(duì)蘇州農(nóng)行的改革發(fā)展有著舉足輕重的意義。本文采用理論知識(shí)與實(shí)際

2、發(fā)展情況相結(jié)合的分析方法，在闡述電子銀行業(yè)務(wù)的概念、特點(diǎn)、優(yōu)勢(shì)、發(fā)展?fàn)顩r等基本理論的基礎(chǔ)上，結(jié)合蘇州農(nóng)行自身業(yè)務(wù)情況，深入分析縣域支行的特點(diǎn)及電子銀行業(yè)務(wù)發(fā)展中存在的問(wèn)題，提出必須大力發(fā)展縣域電子銀行業(yè)務(wù)的觀點(diǎn)，并運(yùn)用戰(zhàn)略管理的五維系統(tǒng)模型理論,對(duì)蘇州農(nóng)行縣域支行發(fā)展電子銀行業(yè)務(wù)面臨的宏觀環(huán)境、行業(yè)環(huán)境等外部環(huán)境以及內(nèi)部資源情況進(jìn)行分類分析，同時(shí)結(jié)合內(nèi)、外部環(huán)境及電子銀行業(yè)務(wù)特點(diǎn)進(jìn)行SWO綜合分析,給出蘇州農(nóng)行發(fā)展縣域電子銀行業(yè)務(wù)的企業(yè)層次、經(jīng)營(yíng)層次和職能層次三個(gè)層級(jí)的發(fā)展戰(zhàn)略選擇。為保障戰(zhàn)略實(shí)施，本文制訂了保障戰(zhàn)略實(shí)施的相關(guān)措施，并提出評(píng)價(jià)與控制縣域支行電子銀行的發(fā)展業(yè)績(jī)、發(fā)展行為和戰(zhàn)略基礎(chǔ)

3、的控制機(jī)制。最后,通過(guò)對(duì)蘇州農(nóng)行轉(zhuǎn)賬電話發(fā)展戰(zhàn)略的案例分析說(shuō)明運(yùn)用縣域電子銀行業(yè)務(wù)發(fā)展戰(zhàn)略的可行性?！居⑽恼縒iththeacceleratedpaceofChina'sfinancialsystemreformandtherapiddevelopmentofelectronicinformationtechnology,e-bankinghasbecomeindispensablecompetitionmeansforcommercialbankstosurviveanddevelop.Inrecentyears,largecommercialbankssuchastheIndu

4、strialandCommercialBankofChina(ICBC),AgriculturalBankofChina(ABC),BankofChina(BOC)andChinaConstructionBank(CCB)etc.haveacceleratedthepaceofcomputerizationconstruction,whilecompetitionsine-bankingwithintheindustryhasgraduallyspreadfromurbanareastocounties,andbecomeincreasinglyfierce.Asasecondarybranc

5、h,AgriculturalBankofChinaSuzhouhasthedoublefeatureofbusinessmanagementandbusinessoperation.Itiscurrentlyintheperiodofbusinesstransition,andthedevelopmentofe-bankingisoneoftheprioritiesofthecurrenttransformation.Comparedwiththoseinthesameindustry,thee-bankingdevelopmentofAgriculturalBankofChinaSuzhou

6、Branchiscenteredonthecounties.Whileallthefivecountybrancheshaveacomprehensivecompetitiveadvantageatlocal,theyalsofacegreatercompetitivepressure.Tosolvetheproblemofthecounty'se-bankingdevelopmentwillhaveadecisivesignificaneeforthereformanddevelopmentofAgriculturalBankofChinaSuzhouBranch.Thispaper

7、adoptstheanalysismethodofcombiningtheoriesandrealdevelopmentsituation.Onthebasisofexpoundingthebasictheorysuchastheconcept,features,advantagesandthedevelopmentstatusofe-banking,thepaperdeeplyanalyzesthefeaturesofthecountybranchesandproblemsexistinginthedevelopmentofe-bankingaccordingtotheoperational

8、characteristicsofAgriculturalBankofChinaSuzhouBranch;itproposestodevelopcountye-bankingbusinesses,andutilizesstrategicmanagementtheoryofthefive-dimensionalmodel,toanalyzetheexternalenvironmentsuchasmacroenvironmentandindustryenvironmentthatAgriculturalBankofChinaSuzhouBranchisfacingwhiledevelopinge-bankingbusinesses,aswellastheinternalresources;meanwhile,thepapergivesacomprehensiveSWOTanalysisbasedontheinternalenvironment,externalenvironmentandfeaturesofe-bankingbusinesses,anditsuggeststhestrategicchoiceforAgriculturalBankofChinaSuzhouBranchtod