关于县域工商银行竞争力的调研报告——以江西省赣西北S县为例

The Research Report for Their Competitiveness of Industrial and Commercial Banks in Chinese Counties——Setting S County in the Northwest of Jiangxi Province as an Example

文章是在对江西省赣西北S县金融市场调查和分析的基础上出具的一份调查报告,通过个案分析试图反映当前县级工商银行在县域金融的市场力量和对县域经济的支持情况。从我们的调查来看,经过本世纪初的改革,县级工商银行的市场份额和对县域经济的支持力度,均有所下降,特别是存款来源的地域范围在收缩,贷款力度下降且投向显得单一,产品开发和服务营销等方面也不占上风。基于此,文章提出了一些对策建议,如扩大服务范围,注重实体经济,开发新的产品,开展金融宣传和金融知识的普及等。

The article is a research and analysis report on the basis of the survey that sets S County＇ s financial market in the Northwest of Jiangxi province as an example. Through case analysis, this article tries to reflect their support to the county economy that the county industrial and commercial banks play in the county financial market power. From our investigation, after the reform at the beginning of the century,their market shares for the county industrial andcommercial banks and their support to the county economy are both declined, especially on the geo- graphic scopes of the deposit sources＇ contracting, loan strength ＇ s dropping and investment appearing single, product development and service market etc. also losing upper hand. Based on these, the article puts forward some sug- gestion, such as extending service range, paying attention to the entity economy and the development of new products, and carrying out financial propaganda and financial popularization, etc.