The Study Of Differentiation Strategy Of Chinese Commercial Banks

Nowadays the state-owned commercial banks have almost finished the share-holding reforms,the joint-stock banks are also developing very fast.At the same time,the opening up of banking industry make the the domestic banks face the competition of foreign banks.Under the condition of this,the instant problem of domestic commercial bank is how to enhance the competitive power.This thesis mainly focus on the diversified competition strategy which is the application of the strategy planning in the banking industry.The commercial banks of western countries have encountered tough conditions of operation in 1970s,the difficulties include"disintermediation",the severe comprtition from nonbank financial institutions and the roil macro economy.In order to deal with these problems,banks of western countries implement the diversified competition strategy and succeeded.At present,the commercial banks of China are confronted with similar problems of what western banks have encountered,so it's very meaningful to research and draw lessons from the diversified competition strategy in order to upgrade the competitiveness of commercial banks of China.The thesis introduces the research of diversified competition strategy by other scholars and then summarize the competition status of domestic commercial banks,on the basis of this,use the economic model to analyse the rationality of the diversified competition strategy and to a further step,use the data of the China Construction Bank to validate the advantage of the diversified competition strategy.After specialize the example of the application of diversified competition strategy by foreign banks and based on the SWOT and the five forces model analyse,the thesis bring forward the measures of how to actualize the diversified competition strategy by domestic commercial banks.