价值工程
價值工程
개치공정
VALUE ENGINEERING
2014年
17期
166-167,168
,共3页
商业银行%差异化经营%经营策略
商業銀行%差異化經營%經營策略
상업은행%차이화경영%경영책략
commercial banks%differences in management%business strategy
随着金融业改革的深入和市场化的加深，银行间的经营竞争日益激烈。这其中金融产品研发和创新滞后，银行经营的同质化现象严重，差异化明显不足，严重制约了银行业健康长远发展。因此，银行要在竞争中取胜有必要实行差异化经营策略。论文在分析银行差异化经营的动因的基础上，利用Hoteling空间竞争模分析了银行差异化经营的效益问题，最后探讨了银行差异化经营的策略问题。
隨著金融業改革的深入和市場化的加深，銀行間的經營競爭日益激烈。這其中金融產品研髮和創新滯後，銀行經營的同質化現象嚴重，差異化明顯不足，嚴重製約瞭銀行業健康長遠髮展。因此，銀行要在競爭中取勝有必要實行差異化經營策略。論文在分析銀行差異化經營的動因的基礎上，利用Hoteling空間競爭模分析瞭銀行差異化經營的效益問題，最後探討瞭銀行差異化經營的策略問題。
수착금융업개혁적심입화시장화적가심，은행간적경영경쟁일익격렬。저기중금융산품연발화창신체후，은행경영적동질화현상엄중，차이화명현불족，엄중제약료은행업건강장원발전。인차，은행요재경쟁중취성유필요실행차이화경영책략。논문재분석은행차이화경영적동인적기출상，이용Hoteling공간경쟁모분석료은행차이화경영적효익문제，최후탐토료은행차이화경영적책략문제。
With the deepening of the financial sector reform and the deepening of the marketization, commercial banks are facing increasingly fierce competition. Financial product development and innovation lag, homogenization of serious banking operations, the difference is obviously inadequate, severely restricted the healthy long-term development of the banking sector. Therefore, if commercial banks want to win it is necessary to implement differentiated business strategy in the competition. The paper analyzes the bank differentiated on the basis of operating on the motives, uses Hoteling spatial competition model to analyze the effectiveness of the bank the difference operation issues, and finally discusses the differences in management of strategies of commercial banks.
