H Bank Financial Leasing Business Competition Strategy Research

H Bank was formerly a local housing Savings bank,in 2003,completed the joint-stock reform,after the relatively extensive,rapid development,and now has grown into an asset scale of more than trillion national joint-stock commercial banks.In the early development process,H Bank with flexible business organization setup,relative radical risk preference has established a certain scale advantages and locational advantages,but because H bank is too biased in the same industry and the company's business,in the current economic and financial environment,the supervision policy tightening,the real economic downturn,the increase in capital costs,deposit and loan spreads narrowing,The combination of many factors,such as accelerating financial innovation,make H Bank business structure single,profit channel narrow malpractice appears gradually,cause its business development encounter bottleneck,this test H bank's business strategy,also impel H Bank to break through its traditional management structure,will look to the more profitable,the way more diverse financing leasing field,We hope to broaden our profit channel and break the bottleneck of development by gaining the competitive advantage in financing leasing business.This paper studies the competition strategy of the financial leasing business,sums up and analyzes predecessors ' research results,and lays the theoretical foundation for exploring the competitive strategy of H Bank's financing leasing business.Through the use of pest analysis,Porter Five Force model analysis tools,this paper analyzes the influence of internal and external factors on H Bank's financing leasing business,and locates the H Bank financing leasing business,obtains the internal and external factor evaluation model,and probes into the advantages and disadvantages of H Bank financing leasing business with the resources of H Bank financing leasing business,Then use the SWOT analysis method to seek the corresponding strategy,finally determine the H bank's financing leasing business should take what kind of competition strategy.This paper finally determines that the difference strategy is the first choice of the competitive strategy of H Bank financing leasing business,and expounds the implementation of the differentiated competition strategy of H Bank's financing leasing business from three aspects of brand,product and service,and then makes clear the related strategy of implementing the differential strategy of financing leasing business of H Bank.Compared with other banks,although the H Bank has entered the field of financing leasing later,if we adhere to the innovation as the leading,market-oriented,from their own reality to adopt a scientific and rational differentiation strategy,I believe that will establish a good competitive advantage to achieve "after the first to" goal.