工商银行百强县支行竞争状况及策略研究--以工商银行宁波市分行余姚、慈溪支行为例

The Competition Situation of Top 100 County Sub-branches of ICBC and the Strategies——With Examples of Yuyao and Cixi Sub-branches,Ningbo Branch,ICBC

随着新农村建设和城乡一体化的稳步推进,工商银行百强县支行的经营地位日益突显,百强县区域尤其是经济发达区域百强县是工商银行未来业务增长的亮点,也是工商银行必争的领域。本课题以中国工商银行宁波分行所辖余慈区域两个百强县支行为对象,对其主要业务竞争力状况进行了比较分析和评价,然后从总分行、百强县支行两个层面提出了相应的对策建议:总分行要采取加大网点建设、信贷资源和人员的投入,加快产品创新和业务流程改造,优化考核机制等措施来提升市场竞争能力。百强县支行要抢抓当地经济发展机遇,均衡发展业务,加强网点建设,做强中小企业业务,持续改进服务来增强同业竞争能力。

Along with the steady proceeding of new construction of rural areas and the integration of urban and rural areas, the operating status of ICBC top 100 county sub-branches becomes more and more prominent. Top 100 counties, especially those in developed regions, will be the highlight of ICBC business growth in the future and the region that ICBC must exert all energy, to win. By using two top100 county sub-branches of ICBC Ningbo Branch in Yuci, the paper makes a comparative analysis and assessment on their competence and proposes the following suggestions from both the head office and branch perspective and the sub-branch perspective： on the one hand, to enhance ICBC＇s competence in those regions, the head office and branches should strenglhen the development of basic business outlets, credit resource and human resource, quicken product innovation and business process reengineering, and optimize the performance evaluation system. On the other hand, the sub-branches in those regions have to grasp the opportunity of local economic growth and realize the balanced business development. Moreover, to improve their competence among peers, they must steadily quicken the construction of basic business outlets, pay close attention to SMS enterpriscs and continuously upgrade their service quality.