The Research Of CCB Jinan Branch’s Development Strategy

Since the 18th national congress of the communist party of China(CPG),China’s economy has entered a new normal of slower growth,with stable economic growth and steady progress.With the adjustment of industrial structure and the rapid reform of the world economic system,profound changes have taken place in the pattern of financial market and customer demand.The advent of the "Internet plus"era and the acceleration of interest rate liberalization have also brought challenges to Banks.The homogenization of domestic commercial Banks is serious.As foreign Banks occupy the market share in China,the competition in the domestic and foreign financial markets is fierce.Meanwhile,the Internet finance represented by mobile payment,cloud computing and social platforms rises sharply.Facing the complicated economic situation at home and abroad,China’s banking industry is in urgent need of re-selecting and formulating strategies suitable for development goals based on its own resources and capabilities.This paper takes CCB Jinan Branch as the research object,and on the basis of studying relevant literature on the development strategy management of the banking industry,studies,analyzes and discusses the formulation,implementation and guarantee of the development strategy of CCB Jinan Branch.Firstly,PEST analysis and industry analysis are used to elaborate the external environment of the enterprise.This paper analyzes the internal environment of CCB Jinan Branch from the aspects of its corporate culture,development process,operation status and relevant capabilities.Secondly,by using SWOT and QSPM matrix analysis to the CCB Jinan Branch of the internal and external environment has carried on the qualitative and quantitative research,come to CCB Jinan Branch achieved rapid development is faced with the international economic situation turmoil,Jinan regional financial market capacity is established,competitors increases the threat of competition pressure and its system structure is not flexible,large branches unbalanced development,basic management existence weak link,insufficient staff team construction.At the same time,CCB Jinan Branch have the advantages of organizational structure,management,the advantage of the resources advantage and policy advantage,good economic environment,and the national key project be born in Jinan,the opportunities brought about by the "+" Internet age,the opportunity to use mainly depends on the internal advantage,determine the CCB Jinan Branch should implement the strategy of ST-diversification strategy,relying on the internal advantage avoid external threats.Thirdly,it is determined that CCB Jinan Branch should choose the diversification strategy,which should be carried out from the four major parts of personal finance business,corporate business,Internet finance business and strategic business.In order to ensure the smooth implementation of the development strategy,the guarantee measures are formulated from the aspects of organizational structure reform,personnel training and ideological construction.This paper is of positive research significance.The problems and threats existing in CCB Jinan Branch and the development strategy adopted by it are universal in the inter-bank industry,providing cases and solutions for the strategic choice of competition among the banking industry and other branches of Banks in the financial market in China。...