商业银行差异化战略绩效实证研究——基于中国银行二级分行的数据检验

An Empirical Study on the Differentiation Strategy Performance of Commercial Banks:Based on the data validation of second-class branches of BOC

差异化战略是中国银行的长远性发展战略,但中国银行差异化战略的实施仍处于探索性阶段。本研究基于中国银行二级分行差异化的样本数据,借助于多元回归分析方法,构建并检验了中国银行差异化战略绩效模型,发现战略导向、数据库建设、产品差异化、服务差异化和形象差异化对差异化绩效存在着明显的促进作用,而市场细分、市场差异化、分销渠道差异化处于功能缺失状态。检验结果为中国银行分支机构差异化战略的改进指明了方向,提升了中国银行差异化战略的实施效率。

The differentiation strategy is a long-term development strategy of BOC(Bank of China),yet its implementation is still at the exploratory stage.Based on the sample data of second-class branches of BOC and by means of multivariate regression analysis,this paper builds and tests the differentiation strategy performance model of BOC,and it shows that strategic orientation,database development,product differentiation,service differentiation and image differentiationplay a distinct role in promoting differentiating performance,yet market segmentation,market differentiation,distribution channel differentiationare in a state of function loss.The test results indicate the direction for BOC branches to improve the differentiation strategy,thus raising the efficiency in implementingthe strategy.