A Study On Chinese Commercial Bank Competitive Advantage Based On Value Chain Theory

After our country transforms period finished by addition of WTO, the commercial banks of our country will totally cancel the restriction to foreign capital banks of operating field and area of RMB businesses. The competition that is faced with will be more and more intense to the commercial bank of our country; stability and the efficiency of bank system will get stern challenge. Compare with banks of foreign capital, the commercial bank of our country existence huge gap in problems such as business process design, product service and the management of human resource. It requires that commercial bank adjust management pattern and optimization business process, puts new product and service to the market continuously according to market condition and customer demand, discovers and cultivates core competition ability, achieves competitive advantages in market competition.This paper is taking value chain theory as foundation, is synthesized with the theoretical knowledge such as competitive advantage theory, game theory and multivariate statistics, with qualitative & quantitative analysis, theoretical research and demonstration research, longitudinal research and comparison research etc. From systematic viewpoint, this paper founds commercial bank competitive advantage system of our country based on value chain theory, include external environmental systematic, industrial value chain systematic and internal value chain system. This paper analyzes factors For affecting the external environment of the commercial bank competitive advantage of our country, and analyzes the influence of the economic financial tendency, industry environmental factors and policy regulations factors to commercial bank grows up and profits ability in our country. After analyzing manage business characteristic for the commercial bank of our country, this paper establish the internal value chain model of the commercial bank of our country; from the visual angle of business process, analyzes the relation of commercial bank basic campaign and supplementary campaign. From establishing core competition ability, getting competitive advantage, this paper analyzes commercial bank internal value chain, determines " value schoolwork " and " not worth schoolwork", analyzes the business activities and business processes of commercial banks and constructs an optimizing model of these processes to make the customer service process cooperate with backstage support process of commercial bank to realize biggest benefits. For commercial bank value chain and the last customer value chain of lower reaches, longitudinal relation is analyzed, commercial bank raises overall operation efficiency and creation through changing way and the content of value chain inside and external connection and being helpful for it, is higher to worth. Founding two stages game theory model, the researches of this paper what about the reasons of inter-bank landscape orientation value chain relations have important guidance meaning in cooperating effectively between commercial bank, reducing the financial cost and carrying out synergism advantage. This paper founds the commercial bank competitive advantage appraisement model and appraisement model based on value chain optimization; makes theory and practice closely by application of demonstration analysis. From the angle of develop strategy and value chain management of commercial bank, the paper elaborates the promotion countermeasure of the commercial bank competitive advantage of our country; its research accomplishment has important theoretical value and realistic meaning for the commercial bank of our country through implementing value chain management and promoting its competitive advantage.