Research On The Competitive Strategy Of Housing Finance Business Of CCB H Branch

In recent years,the housing finance business of commercial banks has played an increasingly important role in meeting the housing consumption demand of residents and expanding the growth of the national economy.With the gradual popularization of housing finance in housing purchase and the abolition of traditional concept of borrowing and lending,the demand for housing finance business is also increasing.The housing finance business of China Construction Bank started earlier,but under the increasingly fierce competition in the current industry,it is also urgent to formulate a targeted competition strategy for housing finance business.Based on the above background,this paper mainly takes Hebei Construction Bank as the research object,and discusses the competitive strategy of its housing finance business.After introducing the competition strategy and housing finance theory,this paper first elaborates the development status and basic problems of housing finance business of commercial banks.Secondly,it analyses the competitive strategic environment of housing finance business of Hebei Branch from both external and internal perspectives.The external strategic environment mainly includes macro-environment,industry status quo and competition pattern,and competition structure within the industry.The internal strategic environment mainly analyses internal resources,and the method based on value chain.The financial business capability is analyzed.Then,using SWOT analysis method,this paper confirms that the differentiation strategy is more suitable for the current housing finance business of Hebei Construction Bank.On the basis of defining the competitive strategy orientation and the competitive strategy objectives,it formulates the implementation strategy from three perspectives of product,channel and service.Finally,from the perspectives of talent team building,business assessment and incentive system,internal control and risk management,advanced intelligent equipment and outsourcing channel construction,the paper puts forward the safeguard measures for strategic implementation.This study can be used as a reference for the development of housing finance business of Hebei Construction Bank.At the same time,it will have a certain theoretical reference value for the formulation of competition strategy of housing finance business of similar commercial banks.