The Research On The Development Strategy Of City Commercial Bank In Hangzhou

At present, Chinese banking industry one of the most prominent problems, is thetendency of the homogenization of the bank. Different types of banks, the target marketis thesame, focused on the monopoly industries, large-scale projects, and gaps in the market ofsmall and medium-sized enterprises seldom have the bank to take the time to make up for.City commercial banks due to the short chain management, fast transmission of information,to understand the characteristics of the local market, with information collection andprocessing in the small and medium-sized enterprises and residents in the service of naturaladvantages, can effectively solve the problem of moral hazard arising from asymmetricinformation and customer. If the city commercial banks to continue to carry forward thetraditional advantage, advantage, and be wise, can receive better effect..In this paper, the theory of enterprise strategic management and based on marketingtheory, adopts the method of combining theory with practice, based on summarizing theexperience of the development of foreign small and medium-sized banks, starting from themarket positioning of the development mode of City Commercial Bank in china. Accordingto the Bank of Hangzhou as an example, based on the analysis of internal and externalenvironment, strategic choice and clear market positioning of the Bank of Hangzhou, and putforward relevant measures to ensure the realization of strategic objectives. This paper isdivided into seven chapters: the first chapter, introduction. This chapter mainly includesthree aspects:(1) clarifies the research background from the view of practice, points out themeaning of the topic:(2) is proposed to solve this problem;(3) to clear the research idea. Thesecond chapter summarizes the development mode of China’s city commercial banks. Thischapter first through theoretical analysis and find the factors to impact the development ofsmall and medium-sized banks, and the development experience of foreign small andmedium-sized banks were summarized. On this basis, to explore the development directionof China’s city commercial banks, summarize three kinds of different development model.The third chapter analysis the competition environment, the Bank of Hangzhou. This chapterAxian use Potter’s"Five Forces Model" to the competition situation analysis, thinking anddevelopment of the Bank of Hangzhou and the advent of the opportunities and challenges. The fourth chapter, analysis of the internal strength of the Bank of Hangzhou. This chaptermainly introduces the general development of the Bank of Hangzhou, has its own advantagesand disadvantages. The fifth chapter, on the development strategy of Bank of Hangzhou.Combining the above analysis of the development mode of City Commercial Bank and theBank of Hangzhou SWOT results, make the strategic choice of the Bank of Hangzhou, aclear business orientation and regional development orientation, puts forward the futuredevelopment goals. The sixth chapter, the implementation of the strategy for Bank ofHangzhou. According to the strategic positioning of Hangzhou bank and the target, acomprehensive analysis of all aspects, puts forward corresponding effective measures. Theseventh chapter, conclusion. The main research results are summarized in this paper.