中国大型商业银行中间业务的SWOT分析及战略选择

SWOT Analysis and Strategic Choice on Intermediary Business of China's Large-scale Commercial Banks

当前,中国大型商业银行既具有自身具有营业网络、客户资源、资金等优势,也存在着资产质量不高、金融创新和风险管理不足、收费标准不规范、专业人才匮乏等劣势;既面临着经济环境、金融混业经营的趋势、相关法律法规的逐步完善以及科学技术进步带来的发展机遇,也面临着人才和客户流失以及外资银行的威胁。中国大型商业银行应该抓住外资银行尚未形成绝对优势地位的有利时机,采用SO战略和WO战略,即扭转型战略和差异化战略,充分利用自身特有的优势,改善经营环境,加快推进金融创新步伐,拓展业务空间,努力提升市场竞争力。

Nowadays,China＇s large-scale commercial banks have the advantages of operating network,client resources,and funds,and also the disadvantages of low asset quality,insufficient financial innovation and risk management,irregular charging standards,and inferior professionals.They meet the development opportunities with the tendency of economic environment and mixed financial operation,perfection in relevant laws and regulations,and progress in science and technology,meanwhile they face the threat of brain drain and client loss.Hence,China＇s large-scale commercial banks should seize the favorable opportunity that foreign banks have not formed absolute advantages,employ their own advantages by SO and WO strategies to improve business environment,quicken the pace of financial innovation,expand business space,and increase market competitiveness.