商业银行提升核心竞争力研究--中国工商银行宁波市分行的经营实践

How to Enhance Commercial Banks' Core Competence——The Operating Practice of Ningbo Branch of ICBC

本课题以工商银行大中城市行之一——宁波分行为个案,深入阐述了企业竞争力的内涵及特点,并以宁波市的经济金融环境为基础,从市场占比、投入产出、风险控制、均衡发展、创新贡献5个维度来度量宁波分行在该区域的竞争力状况。作者认为,虽然当前宁波分行具有一定的区域领先优势,但还需要通过以品牌、营销和服务为抓手,进一步提升市场占比;推进负债、资产和中间业务协调发展,进一步提高均衡发展水平;开展业务流程和管理模式创新,进一步提高发展后劲;优化人力、渠道和经营费用资源配置,进一步提升经营效率;抓好风险管理和企业文化建设,为可持续发展保驾护航。

By using the case of Ningbo Branch of ICBC, this paper makes an in-depth exploration on the implication and characteristics of an enterprise＇s core competence. On the basis of Ningbo＇s economic and financial environment, the paper measures Ningbo Branch＇s competitive state from five dimensions, which are market shares, input-output efficiency, risk control, balanced development and innovation contribution. The results show that although Ningbo Branch possess obvious regional competitive advantages, it still need to enhance the core competence from the following perspectives to achieve a sustainable development： further improving the market shares centering on the brand, marketing and service; promoting the coordinated growth of debt, asset and non-interest business; strengthening the capability of balanced development, pay attention to the innovation on business process and management pattern to add the growth impetus, optimizing the utilization of human resource, channel resource and operating expense to improve the operating efficiency, and emphasizing the risk management and the cultivation of enterprise culture.