Research On Differentiation Strategy Of A Bank Yantai Branch

At present, China's economic development has entered and will be in the new normal for a long time. The new economy will inevitably lead to the birth of the new normal banking.Under the new economic norm, unreasonable economic structure, overcapacity in some industries and other outstanding issues, economic operation of new and old power conversion still need a time of transition and its impact on the banking industry unprecedented. The main operating indicators of the bank is no longer difficult to show the momentum of rapid growth in previous years.A Bank, since the stock market, after years of continuous efforts and steady development, with 532 million companies worldwide customers and 4.96 million individual customers to provide a broad range of financial products and services, has become the largest commercial bank, and entering the world's leading ranks of the big banks. Experienced many years of rapid development, A in recent years there has been a decline in deposit and loan growth, profitability decline, deterioration of asset quality and other development issues.Facing the new normal, how to effectively grasp the current market opportunities, explore a development path suited to their own, is the subject of A Bank must be studied by differences in the implementation of differentiation competitive strategy under the complex competition environment pulls out the first prize.This paper to the business strategy of differentiation strategy as the theoretical basis, to A Bank Yantai branch as the research object, on the analysis the development course, current management status and existing problems on the basis of the, to analyze the current macro environment, industry environment and regional environmental, and determine its competitive advantage through the framework of SWOT model, weaknesses, opportunities and threats, combined with superior overall strategic deployment, Yantai Branch A Bank, the differentiation strategy has carried on the theory discussion and demonstration of feasibility, clear the differentiation strategy target. Finally, from the customer structure difference dissimilation, credit structure alienation, structure of earnings differential difference dissimilation, regional structure difference dissimilation, channel structure difference differences in the structure of alienation and personnel six aspects the poor dissimilation strategy implementation plan, and from strengthening internal control case protection, good asset quality control and propaganda and ideological work in the three aspects of the development of security measures, to ensure the implementation of differentiation strategy Yantai Branch of A Bank.This paper constructs the commercial bank poor dissimilation strategy theory analysis framework, combining, research method and comparative analysis method using the theory and actual case study, creatively put forward from six aspects of customer structure, credit structure, income structure, regional structure, channel structure and the personnel structure to develop commercial banks differentiation strategy for banks under the new norm to accelerate reform and restructuring, innovation and development to provide a theoretical basis and practical reference.