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论文编号：	15040
作者编号：	2320223926
上传时间：	2024/12/9 18:26:47
中文题目：	JS银行T分行普惠金融业务竞争战略研究
英文题目：	Research on Competitive Strategy of Inclusive Financial Business of JS Bank T Branch
指导老师：	任兵
中文关键字：	普惠金融;竞争战略;银行管理
英文关键字：	Inclusive Finance;Competitive Strategy;Bank Management
中文摘要：	? ? ? 普惠金融的内涵是为社会各个阶层的群体，以平等的机会和可负担的成本提供契合其真实需求的金融服务，普惠金融业务的开展要同样符合商业可持续的原则。自实行改革开放政策以来，小微型企业在我国经济体系中的重要性日益凸显。随着近年间全球经济格局经历剧烈变动，经济全球化的进程遭遇了重大挑战。与此同时，国内经济增长速度放缓，许多传统行业面临前所未有的困境，特别是突如其来的新冠疫情，对小微企业的生存和发展造成了极大的冲击。在这样的背景下，中国政府不断出台一系列旨在扶持小微企业的政策措施，涵盖了信贷支持、科技创新、税收减免等多个方面，以帮助这些企业渡过难关，其中普惠金融作为提升金融服务实体经济能力、促进共同富裕的重要途径，正逐步成为国家政策的着力点。各家金融机构有责任和义务支持中小微企业的发展，为民营经济营造一个更加有利的金融生态环境，通过提供更加精准和高效的金融服务，助力小微企业缓解资金压力，激发创新活力，增强市场竞争力，从而推动整个经济体系的健康发展。 ? ? ? 作为国内领先的国有大型商业银行，JS银行积极履行其支持小微企业的社会责任，依托强大的金融科技实力，改变“20%的客户创造80%的利润”、只专注服务大企业、大项目的传统思维，转而关注小微企业的成长和发展，将“普惠金融”作为JS银行“三大战略”之一，并致力于构建持续有效的经营机制。然而，JS银行T分行在普惠金融业务领域正面临严峻的挑战。一方面，它必须应对来自同业竞争者和互联网金融平台的激烈市场竞争；另一方面，它需要解决诸如不良贷款率上升、存贷利差缩小等内部问题。同时，它还必须应对政府监管部门日益严格的监管要求。在这样的背景下，JS银行T分行迫切需要制定和实施有效的业务竞争战略，以增强其普惠金融业务的竞争力，并在复杂多变的市场环境中抢占先机。这不仅需要银行不断创新金融产品和服务，还需要银行在风险管理和内部运营效率上进行持续优化，以确保在激烈的市场竞争中保持领先地位。 ? ? ? 本论文以JS银行T分行为研究对象，通过国内外学者的普惠金融研究成果、对相关从业人员访谈、同业竞品对比等方式，深入分析JS银行T分行普惠金融业务发展现状。通过PEST分析、波特五力、内部资源分析、价值链等工具，对内外部环境分析评价，运用SWOT模型分析JS银行T分行普惠金融优势、劣势、机遇和挑战，最终得到JS银行T分行采取差异化竞争战略选择的建议。基于以上分析，本论文提出了详细的实施对策与战略实施的保障措施，确保竞争战略选择的可行性。
英文摘要：	? ? ? Inclusive finance is about providing financial services that meet the real needs of all social strata, with equal opportunities and affordable costs. The development of inclusive finance should also adhere to the principle of commercial sustainability. Since the implementation of reform and opening-up policies, the importance of small and micro enterprises in China's economic system has been increasingly highlighted. With the dramatic changes in the global economic landscape in recent years and the significant challenges faced by the process of economic globalization, domestic economic growth has slowed down, and many traditional industries are facing unprecedented difficulties. Especially the sudden outbreak of the COVID-19 pandemic has had a great impact on the survival and development of small and micro enterprises. Against this backdrop, the Chinese government has continuously introduced a series of policies and measures to support small and micro enterprises, covering credit support, technological innovation, tax reduction, and other aspects, to help these enterprises through difficult times. Among them, inclusive finance, as an important way to enhance the ability of financial services to serve the real economy and promote common prosperity, is gradually becoming a focus of national policy. Financial institutions have the responsibility and obligation to support the development of small and medium-sized enterprises, creating a more favorable financial environment for the private economy. By providing more precise and efficient financial services, they help small and micro enterprises alleviate financial pressure, stimulate innovation vitality, enhance market competitiveness, and thus promote the healthy development of the entire economic system. ? ? ? As a leading state-owned commercial bank in China, JS Bank actively fulfills its social responsibility to support small and micro enterprises. Relying on its strong financial technology strength, it changes the traditional thinking of focusing only on large enterprises and large projects, which is based on the "80/20 rule" that 20% of customers create 80% of profits. Instead, it pays attention to the growth and development of small and micro enterprises, making "inclusive finance" one of JS Bank's "three major strategies" and is committed to building a sustainable and effective business mechanism. However, JS Bank's T branch is facing severe challenges in the field of inclusive finance. On the one hand, it must deal with fierce market competition from peers and internet financial platforms; on the other hand, it needs to address internal issues such as the rise in non-performing loan rates and the narrowing of the interest spread. At the same time, it must also cope with the increasingly strict regulatory requirements from government regulatory authorities. Against this backdrop, JS Bank's T branch urgently needs to formulate and implement effective business competition strategies to enhance the competitiveness of its inclusive finance business and seize the initiative in the complex and changing market environment. This requires the bank to continuously innovate in financial products and services, and to continuously optimize risk management and internal operational efficiency to ensure a leading position in fierce market competition. ? ? ? This thesis takes JS Bank's T branch as the research object, and through the research results of domestic and foreign scholars on inclusive finance, interviews with relevant practitioners, and comparisons with peer products, it deeply analyzes the current development status of JS Bank's T branch's inclusive finance business. By using tools such as PEST analysis, Porter's Five Forces, internal resource analysis, and value chain analysis, it evaluates the internal and external environment, and uses the SWOT model to analyze the advantages, disadvantages, opportunities, and challenges of JS Bank's T branch's inclusive finance. Finally, it provides recommendations for JS Bank's T branch to adopt a differentiated competitive strategy. Based on the above analysis, this thesis proposes detailed implementation countermeasures and strategic implementation guarantees to ensure the feasibility of the competitive strategy choice.
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