Changzhou City Commercial Bank Strategic Studies

After the successful soft landing, Chinese economy keeps a rapid and steady growth rate. Under the dovish monetary policy, the financial system is reformed, the financial risks are regarded, the credit structure is optimized, and the financial services are improved. Chinese banking creates a favorable finical environment for the healthy and rapid growth of national economy.As a local banking institution, Changzhou Business Bank (CBB) is facing good opportunities as well as austere challenges. It is important and also necessary for CBB to make a correct strategy which may lead to its survival or perishment.This dissertation begins with an elementary analysis of the external environment (political, economic, social and technological environment, etc.) of the commercial bank, followed by an analysis of the influence on Chinese banking system by WTO. Then, the gray prediction theory is used to predict the total balance of the deposits and loans of all the commercial banks in Changzhou. The result is further used in the analysis of the banking industry and those main competitors within the industry. Based on the study of the internal resources, core competence and SWOT analysis of the commercial bank, this article puts forward the strategic target: market follower strategy, low cost strategy, differentiation strategy and capital management strategy.At the end of the dissertation, main approaches and concrete measures are put forward, in order to improve the execution, such as improving the assets quality, strengthening HR management, boosting the corporation culture of CBB, reinforcing differentia marketing, restructuring consummating information system, and boosting both service function and service quality.