Chongqing Branch Of H Commercial Bank Researches About Option And Implementation Of Differentiation Strategies Of Scientific And Technological Finance

Under the background of the new era when people?s voice for national innovative promotion and transformation development has become increasingly louder and scientific and technological finance lingers cold and the market-driven competition of the banking industry has become fiercer,getting to know whether the commercial banks should and whether they are capable to serve those scientifically and technologically innovative enterprises,and whether it is proper for commercial banks to choose scientific and technological finance as the differentiation strategy advantage is of great significance to China which considers the indirect financing of banks as the dominant force of financial market.It is hoped that the researches of this paper can lead more commercial banks to the differentiation development road and help them realize the dislocation competition,thus to build more multilevel service systems of commercial banks and promote the healthy and orderly development of the banking industry;can help more commercial banks achieve differentiated services so as to better meet the different and increasingly rich needs of the financial market and promote social and economic development.With the Chongqing Branch of H Bank as the research objective,this paper researches the option and implementation of differentiation strategies of scientific and technological finance by employing such methods as document literature,case analysis and tooling model.This paper consists of eight parts: the first part is the introduction,which introduces the research background and significance,illustrates the concept of scientific and technological finance,and tells the research contents,methods,thought as well as the innovative points of this paper;the second part is the literature review,strategic theories and analytical methods;the third part is the practices and references of the scientific and technological finance of commercial banks of both China and the United States;the fourth part is the analysis of the external environment of the Chongqing Branch of H Bank on the basis of strategic option of scientific and technological finance;the fifth part is the analysis of the internal environment of the Chongqing Branch of H Bank on the basis of strategic option of scientific and technological finance;the sixth part is the SWOT analysis and researches about the option of differentiation strategies of scientific and technological finance about Chongqing Branch of H Bank.By employing SWOT analysis and tooling model of radar map,it puts forward proposals for strategic options and gives answers to “what path to take” and “what banner to hold”--to adhere to the path of differentiation development and choose scientific and technological finance as the competitive advantage of differentiation development;the seventh part is to customize strategy implementation schemes about differentiation of scientific and technological finance about Chongqing Branch of H Bank;the eighth part is the research conclusion.First of all,this paper holds the idea that “the key of judging the scientific and technological value of relevant enterprises” lies in the patent value analysis.It takes the lead to put forward the view that “scientific and technological banks should attach as great importance to the analysis of patent value as the financial statements”.Also,it imagines that “we should conduct cross-border introduction of the analytical technologies of patent value from the three levels of industry customer search(active marketing),credit rating(admittance of credit extension)and pledge appraisal(appraisal measure)”.Secondly,in the chapter of strategy implementation schemes,this paper originally designs the strategic visual expression model of “3D integration fight formation”.Additionally,it has synthesized the “unity of opposites” of “Porter's competitive strategies” and “Blue Ocean competitive strategies”,it gives the concept definition about the cross-referencing of scientific and technological business and business of traditional corporations and differentiates the red sea market of those mature enterprises in the “red zone” and the blue ocean market of those newly-established enterprises in the “blue zone” and aligns the strategic marketing plans of differentiation,thus solving the long-existing problem of confusing the two with each other.Fourthly,it conducts dynamic researches about strategic problems of scientific and technological finance by employing such expressive tools and analytical methods as Porter's value chain analysis diagram and blue ocean strategy layout and through combining application of SWOT and analytical tools of radar map and the addition of time dimension,enriching and expanding the researches about its theories and application.