| Influenced by complex international situation,domestic economy is confronted with great changes.Commercial banks’ traditional profit mode is unable to satisfy requirements of development in the new period.On the one hand,with the financial market changes rapidly,the supervision becomes strictly,the homogeneous competition tends to fiercely,the interest rate marketization and financial disintermediation are becoming increasingly fierce,commercial banks’ profit sources and living space are squeezed seriously.On the other hand,the market owns new business opportunities and vitality for industrial upgrading and the support of national policies to the substantial economy.The rapid development of information technology offers driving forces of financial innovation in products and service.The new pattern provides commercial banks pressure and dynamic,more and more commercial banks are eager to solve business problems through strategic transformation and adapt to the new rhythm.Many commercial banks adopt the intensive and efficient lightweight strategy to start a new journey of transformation and upgrading.Bank Z ranks the forefront of domestic joint-stock commercial banks.Its’ business philosophy is open-minded and advanced.As early as 2014,Bank Z began to implement lightweight strategy.It focused on the strategic positioning of “One Body with Two Wings”,applied itself to achieve more development and reward with less capital consumption,more intensive mode of operation,and more flexible adaptability.Research on lightweight strategy of commercial banks gradually draws attention of academic circles for its’ theoretical significance and application value.In order to learn the lessons and explore the rules,this thesis focuses on implementation of lightweight strategy of Bank Z.It explains concept of lightweight strategy,domestic and foreign scholars’ research on strategic management theory;expounds macroscopic,intermediate and microscopic environment of strategy implementation with the help of PEST model,Porter’s five forces model and the six elements of microscopic environment.This thesis also studies specific measures of light asset,light operation,light management and light culture.With the comparison between the past and the present,bank Z and interbank,this thesis proves effect and deficiency of Bank Z after implementing the lightweight strategy through objective data such as capital adequacy ratio,revenue and net profit growth.This thesis ultimately puts forward several suggestions to help Bank Z continue to optimize implementation measures and assist other commercial banks to implement lightweight strategy on account of the value-chain theory.To start with,Bank Z should continue to concentrate on developing omni-channel,the entire customer base and all products of retail finance.In addition,it is necessary of Bank Z to optimize the orientation of industry,customer base and business to improve the development of wholesale finance.Furthermore,Bank Z ought to enhance the development quality of inter-bank finance by improving its’ management system.Fourthly,accelerating the transformation of digital operation ability from the aspects of customer acquiring and marketing is also very important.Fifthly,Bank Z should work in coordination with “One Body with Two Wings” flywheel and obtain new growth.The main innovation in this thesis contains representativeness of Bank Z and complete analytical process.It is hoped that the conclusions and suggestions of this thesis may provide reference for the implementation of lightweight strategy of other commercial banks,and make some contributions to enriching the research on strategic management of commercial banks. |
