The Diversified Competition Strategy Of The Chinese-funded Commercial Bank In The Opening Competition Pattern

After China's access to the world trade organization, the opening of the commercial banking market is accelerating. The competition in the market is changing from monopoly to the oligopoly. One of the most important competition methods for the modern enterprises is diversified competition strategy. In a sense, it fits to the competitive feature of the modern banking market. The strategy "base on the present and look for the future" ask us to analyze the diversified operation model of the foreign banks objectively and learn from their strong points to offset our own weakness. This will helps us to grasp the opportunities in this transitional period in order to have a better position in the international financial competition and safeguard our financial industry especially our commercial banking system to develop healthily and smoothly.The full text centers on the thread of diversified competition of the bank, according to the basic trains of thought of the theory, real example, application study, divides into five main chapters. The first chapter is diversified competition theory. On the basis of defining that diversified competes for this concept, it introduces the diversified competition theory of Potter, 80/20 principle, finance relevant theory mainly. The second chapter is competition pattern of the Chinese banking. On the basis of reviewing to the competition evolution of Chinese banking briefly, introducing CRn index will make the judgement to the development trend of the competition pattern of Chinese banking, point out that the Chinese-funded commercial bank must set up perfect market competitive strategy as soon as possible. The third chapter is necessity analysis about the diversified competition. Through the comparative analysis tothe daily competitive method, point out that the diversified competitive strategy is the essential choice of the present Chinese-funded commercial bank. The fourth chapter is example research. On the basis of research about the competition strategy of CITIBANK, sums up the implementation course of the foreign diversified competitive strategy of commercial bank and main content. The fifth chapter is the implement discussion of the diversified strategy to the commercial bank of our country. In this chapter, I combine the present macro-economy environment of our country, the current situations of the development of financial operation situation and banking, point out the business advantage and deficiency of the Chinese-funded commercial bank. And use some existing relevant research results to discuss how to use the diversified competitive strategy effectively after probing into China-funded bank in the global competition.