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论文编号：	10653
作者编号：	2120163272
上传时间：	2018/12/7 23:46:46
中文题目：	上海市中小商业银行竞争情报分析与应用研究:以民泰银行为例
英文题目：	A Research on competitive intelligence analysis and application of small and medium-sized commercial Banks in Shanghai：a case study of Min Tai Bank
指导老师：	王知津
中文关键字：	竞争情报；中小商业银行；城市商业银行；民泰银行
英文关键字：	Competitive intelligence；small and medium-sized commercial banks； city commercial banks ；Min Tai Bank
中文摘要：	摘 要随着互联网和大数据的广泛应用，商业银行的客户数据总量正在以几何级数的速度迅猛增长，涵盖范围包括客户的数据信息，文档、图片、位置、影像信息等众多非结构化和半结构化数据，银行业在竞争情报应用方面具备天然优势并且相继建立了相应的竞争情报系统。通过互联网大数据的应用，加之竞争情报分析应用，从而促进银行中间业务的增收，增强银行的金融科技的核心利润点。现今蓬勃发展的中小商业银行在竞争情报方面尚未形成系统的数据治理方法和体系，缺乏有效的数据分类、整理和加工，本文对学术界相关研究文献进行研读和借鉴，同时根据目前中小商业银行所处行业的整体特点及现状，进行中小商业银行的竞争情报分析应用研究，进而制定相应的竞争情报战略。并且选取金融中心-上海市的中小商业银行进行研究，就上海市中小商业银行而言，其包括股份制商业银行、城市商业银行、农商银行。在研究过程中，本文全面借鉴已有的研究成果，将论文的研究深植于上海中小商业银行中的民泰银行，民泰银行属于城市商业银行中典型的精品银行，本文就民泰银行在上海的竞争战略从PEST和SWOT进行分析，基于波特五力模型理论、波特钻石理论对其竞争战略进一步研究分析，为其制定了适合自身发展的竞争情报战略。 关键词：竞争情报；中小商业银行；城市商业银行；民泰银行
英文摘要：	Abstract With the wide application of Internet and big data, the total amount of customer data of commercial banks is growing exponentially, including many unstructured and semi-structured data such as customer's data information, documents, pictures, location, image information, etc.Through the application of big data on the Internet and the application of competitive intelligence analysis, the income of intermediate business of Banks is promoted and the core profit point of financial technology of Banks is enhanced. Through the application of Internet big data, developing assets end, debt end, expanding the proportion of retail business, middle business income in profit, to make the bank to "medium", "light" shift will be the future trend. Nowadays, the development of small and medium-sized commercial banks in the competitive intelligence has not yet formed a systematic data governance method and system, there is a lack of effective data classification, collation and processing, This paper studies and draws lessons from relevant research literature of the academic circle. At the same time, according to the overall characteristics and current situation of the industry in which the small and medium-sized commercial Banks are located, this paper studies the application and analysis of competitive intelligence of small and medium-sized commercial Banks, and then formulates corresponding competitive intelligence strategies.In addition, the small and medium-sized commercial banks in the financial center- Shanghai are selected for research. For the small and medium-sized commercial banks in Shanghai, they include joint-stock commercial banks, city commercial banks, and rural commercial banks. In the course of the study, this paper makes a comprehensive reference to the existing research results, the research is deeply planted in Min Tai bank,which is one of the Shanghai Small and medium Commercial Bank , the bank is a typical fine bank which belongs to the City Commercial Bank. According to its competitive strategy in Shanghai from Pest and SWOT analysis, based on the Porter's five forces theory and Porter Diamond theory, the paper thoroughly studies its competitive strategy, and develops competitive intelligence strategies for its own development. Key Words: Competitive intelligence；small and medium-sized commercial banks； city commercial banks ；Min Tai Bank
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