Research On The Development Strategy Of Laishang Bank

In reality,based on the background of financial development dividend,China’s local commercial banks have developed rapidly by meeting and serving local or regional financial needs.However,with the accelerated pace of domestic financial reform and the increasing maturity of banking business,the development trend of local commercial banks in short supply has gradually evolved to the market pattern of fierce competition.How to guide the development with more scientific strategy has become an urgent practical problem for local commercial banks in the new development stage.This thesis focuses on Laishang bank,a representative commercial bank,and discusses and analyzes the formulation and implementation of its development strategy.This thesis selects the representative case of Laishang bank,focuses on the methods of literature research,statistical description and case study,and puts forward the research idea of raising questions-analyzing external causes-analyzing internal causes-putting forward the general scheme-putting forward safeguard measures.Firstly,the thesis puts forward the practical problems of exploring the choice and implementation of Laishang bank’s development strategy.Secondly,taking the case of Laishang bank as the analysis object,this thesis objectively analyzes the internal and external environment it is facing.Finally,according to the analysis conclusion of internal and external factors,select the type of development strategy applicable to Laishang bank,and put forward the implementation and guarantee measures that can be implemented.Based on the full text research,the following research conclusions are formed:(1)Through the analysis of the macro environment,market environment,industry environment and external factors EFE matrix in the development of Laishang bank,it is found that the development opportunities brought by its external environment outweigh the threats.In particular,the macro environment encourages and supports local commercial banks to become bigger and stronger;The demand of market environment is increasing day by day,and the prospect is broad;In the industry environment,the access policy of newly established local commercial banks is relatively strict,the industry threshold is high,and the interference of potential competitors is small;After the coronavirus epidemic,customers’ financial needs have been continuously released,and more and more local commercial banks have been recognized by customers;(2)Through the analysis of the IFE matrix of internal value chain,risks and internal factors in the development of Laishang bank,it is found that the development advantages brought by its internal environment are better than the disadvantages.For the further development of Laishang bank,the following advantages can be actively utilized:considerable financial resources and relatively prominent profitability;High professional and comprehensive quality of human resources;Have strong business development ability,and the intermediate business has a certain market share;Perfect system,strong culture and high social credibility;Pay attention to the marketing management of employees and encourage the promotion of educational background and professional title;(3)By analyzing the development opportunities of so banks,so banks can make use of their own development opportunities.The effective way to implement the growth strategy is to integrate into the region to achieve scale development,deepen customer focus to achieve characteristic development,and focus on digital finance to achieve innovative development;(4)The safeguard measures for Laishang bank to implement so growth development strategy are:leading development with organizational optimization,driving development with technical support,ensuring development with employees,and promoting development with scientific marketing.The formulation and implementation plan of Laishang bank’s development strategy provides a certain reference for domestic general local commercial banks to select and implement development strategies.When promoting high-quality development strategies,domestic local commercial banks can first choose the applicable development strategy types,so as to determine the development vision,development positioning and business development direction,Finally,based on the implementation ways of development strategy and development strategy guarantee measures to promote the development of self height quality.