經(jīng)濟(jì)新常態(tài)下蘭州銀行業(yè)務(wù)發(fā)展戰(zhàn)略研究.pdf

1、I原 創(chuàng) 性 聲 明 原 創(chuàng) 性 聲 明本人鄭重聲明： 本人所呈交的學(xué)位論文， 是在導(dǎo)師的指導(dǎo)下獨(dú)立進(jìn)行研究所取得的成果。學(xué)位論文中凡引用他人已經(jīng)發(fā)表或未發(fā)表的成果、數(shù)據(jù)、觀點(diǎn)等，均已明確注明出處。 除文中已經(jīng)注明引用的內(nèi)容外， 不包含任何其他個人或集體已經(jīng)發(fā)表或撰寫過的科研成果。對本文的研究成果做出重要貢獻(xiàn)的個人和集體，均已在文中以明確方式標(biāo)明。本聲明的法律責(zé)任由本人承擔(dān)。論文作者簽名： 日期：關(guān)于學(xué)位論文使用授權(quán)的聲明 關(guān)于學(xué)位論文

2、使用授權(quán)的聲明本人在導(dǎo)師指導(dǎo)下所完成的論文及相關(guān)的職務(wù)作品，知識產(chǎn)權(quán)歸屬蘭州大學(xué)。本人完全了解蘭州大學(xué)有關(guān)保存、使用學(xué)位論文的規(guī)定，同意學(xué)校保存或向國家有關(guān)部門或機(jī)構(gòu)送交論文的紙質(zhì)版和電子版， 允許論文被查閱和借閱； 本人授權(quán)蘭州大學(xué)可以將本學(xué)位論文的全部或部分內(nèi)容編入有關(guān)數(shù)據(jù)庫進(jìn)行檢索， 可以采用任何復(fù)制手段保存和匯編本學(xué)位論文。 本人離校后發(fā)表、 使用學(xué)位論文或與該論文直接相關(guān)的學(xué)術(shù)論文或成果時，第一署名單位仍然為蘭州大學(xué)。保密論文

3、在解密后應(yīng)遵守此規(guī)定。論文作者簽名： 導(dǎo)師簽名： 日期：MBA 學(xué)位論文 作者： 麻浩明 經(jīng)濟(jì)新常態(tài)下蘭州銀行業(yè)務(wù)發(fā)展戰(zhàn)略研究IIIAbstract AbstractChina’s first urban commercial bank—The Urban Cooperative Bank of Shenzhen, wasfounded in 1995, symbolizing the origin of urban commercia

4、l bank across the country.By the endof 2015, the total number of China’s urban commercial bank has reached 133. It is noteworthy thatin the past decade between 2003 and 2013, the urban commercial banks, on the basis of r

5、apidmacroeconomic growth, have seen strong development and given full play to their competitiveadvantages to serve the local economy, infrastructure, small-to-medium-sized enterprises and thecitizens, playing a more and

6、more vital role in supporting the local economic development.But onthe other hand, with the “new normal” of China’s economy, the urban commercial banks haveunprecedentedly been confronted with lots of challenges, such as

7、 the speeding rate of loangranting has degraded to a prudent level, the saving- loan interest rate spread has shrunk. What’sworse, the transformation of social financing, the rebounds of non-performing loans and thetight

8、ening of government supervision are also among these problems.Considering this, the urbancommercial banks, instead of following the usual way of excessive expansion, must accordinglymake strategic adjustments, take full

9、use the comparative advantages, launch the comparativecompetition and enhance the core competence in local financial market.The paper, featuring Bank of Lanzhou, aims to make deep survey of this bank’s developmentstrateg

10、y through SWOT analysis. The paper gives a comprehensive analysis and evaluation ofBank of Lanzhou’s current external environment and present situation. Additionally, it summarizesthe major problems in its business devel

11、opment.On the basis of the above, the paper exerts anintensive research on Bank of Lanzhou’s strengths, weaknesses opportunities and threats throughSWOT analysis, thus making this bank’s strategic option that Bank of Lan

12、zhou will concentrate itsefforts on premium financial service for local small-to-medium-sized enterprises and thecitizens.Toward this goal, the paper proposes the some suggestions about implementation andsafeguard.Key wo