The Strategic Planning Of Jinzhou Urban Commercial Bank

The Urban Commercial Bank is the product of national economic transformation. Compared with State-owned Commercial Bank, it owns poor resources, poor assets. Its scope of operation is small, and its credit is not so good. In general, it is not so competitive.However, compared with State-owned Commercial Bank, it has its advantages: more independent and more flexible. In the meanwhile, as a regional CB, it has a more close relationship with the local government, enterprises and the citizens, which makes it has the advantages in developing its potential customers and catering for them.After entering the WTO, the operational ability of national financial enterprises will be greatly improved. The financial operation policy will open more, which will speed up the adaptation to the international market. Opportunity is potential, but great challenge is realistic. Urban Commercial Bank, as CB, which is among the State-owned CB, the stock CB and Foreign Financial Organization, will face with more flexible and changeable market and will meet with more serious competition.As a representative of Urban CB, the Jinzhou Urban Commercial Bank has accumulated an amount of competition resources. But facing with the more serious competitive situation, it becomes less competitive, powerless, aimless, and slow in developing. Therefore, how to establish operational strategy, how to make full use of the external opportunity, how to take advantage of resources and how to promote its competition are the problems that the Jinzhou Urban Commercial Bank must resolve and also they are the main purpose that this paper researches for.This paper uses the researches related with operational strategy to analyze and appraise Jinzhou CB from many aspects, including external competition situation and internal resources. What more, this paper will research the bank operational state. This paper will explain the establishment of organization, human resources, target system and KPI, during the process of strategic application. This paper will also discuss how to optimize resource disposition, to raise its core competitive ability so as to establish its lasting advantage.This paper consists of five parts..The first two parts are the brief introduction of analysis to the main viewpoints and means of strategic development; the present operational state of Jinzhou CB. In these two parts, the paper also points out that operational strategy and raising its core competitive ability are inevitable.In part three and part four, basing on the logic structure of strategic design school, this paper illustrates and analyzes the external and internal situation that Jinzhou CB faces with in details. By the means of strategic statistics and strategic decision, this paper summarizes its operational strategy. According to the defects on strategic application of strategic design school, this paper analyzes the strategic application by the means of systematical engineering.In part five, this paper argues that with the definite operational strategy, how Jinzhou CB adjusts, cooperates, executes, inspects and promotes its own competitive abilities .within itself, such as organization and human resources.The main contribute of this paper:For the first time, it brings about the normal strategic thinking method to Jinzhou CB and directs its development clearly. And this paper argues the process of strategic application in details, which makes strategy is practical to day-to-day work. What is more, the process itself is the establishment of operational ideas and modes. And the process does greatly influence the future development of Jinzhou CB. In the meanwhile, By this creative process , various competitive ways are being carried out in Jinzhou CB.