金融理论与实践
金融理論與實踐
금융이론여실천
FINANCIAL THEORY AND PRACTICE
2014年
3期
89-94
,共6页
上市银行%差异化战略%市场竞争力%产品差异化%分销渠道差异化
上市銀行%差異化戰略%市場競爭力%產品差異化%分銷渠道差異化
상시은행%차이화전략%시장경쟁력%산품차이화%분소거도차이화
listed banks%differentiation strategy%market competitiveness%product differentiation%dis-tribution channel differences
差异化战略是我国上市银行的基础性竞争战略，目标在于培育银行的市场竞争力。上市银行差异化战略包括战略导向、数据库建设、产品差异化、分销渠道差异化和形象差异化等策略。基于上市银行的样本数据，借助于结构方程模型，实证性的检验揭示了差异化战略策略对市场竞争力促进的微观机理，发现了财务竞争力、顾客竞争力、内部流程竞争力、学习和成长竞争力的培育路径，从而为上市银行差异化机制的深化提供了现实性的理论借鉴。
差異化戰略是我國上市銀行的基礎性競爭戰略，目標在于培育銀行的市場競爭力。上市銀行差異化戰略包括戰略導嚮、數據庫建設、產品差異化、分銷渠道差異化和形象差異化等策略。基于上市銀行的樣本數據，藉助于結構方程模型，實證性的檢驗揭示瞭差異化戰略策略對市場競爭力促進的微觀機理，髮現瞭財務競爭力、顧客競爭力、內部流程競爭力、學習和成長競爭力的培育路徑，從而為上市銀行差異化機製的深化提供瞭現實性的理論藉鑒。
차이화전략시아국상시은행적기출성경쟁전략，목표재우배육은행적시장경쟁력。상시은행차이화전략포괄전략도향、수거고건설、산품차이화、분소거도차이화화형상차이화등책략。기우상시은행적양본수거，차조우결구방정모형，실증성적검험게시료차이화전략책략대시장경쟁력촉진적미관궤리，발현료재무경쟁력、고객경쟁력、내부류정경쟁력、학습화성장경쟁력적배육로경，종이위상시은행차이화궤제적심화제공료현실성적이론차감。
The differentiation strategy is the basic competitive strategy, aims at fostering the bank mar-ket competitive. Listed banks differentiation strategy includes strategic guidance, database develop-ment, product differentiation, and image differentiation and distribution channels. Based on the sample data of listed banks and by means of structural equation modeling, empirical tests reveal the microscop-ic mechanism of differentiation strategy and tactics to promote the market competitiveness, and found the fostering path of financial competitiveness, customer competitiveness and internal processes com-petitive, learning and growth competitiveness, which may provide a realistic theory reference for listed banks to deepen differentiation strategy mechanism.
