摘要
自1986年中国邮政储蓄恢复开办业务以来,历经20多年的发展,中国邮政储
蓄提供的基础金融服务覆盖城乡,深入人心,被称为“绿色银行”。2007年3月6
日中国邮政储蓄银行有限责任公司正式成立。邮储银行成立以来,各级高级管理
人员所面临的重要课题就是:如何加快向大型商业银行转型,以便更好地服务于
经济发展。2012年1月21日经国务院同意,中国邮政储蓄银行有限责任公司依法整
体变更为中国邮政储蓄银行股份有限公司
2006年底,中国己全面向外资银行放开人民币业务。随着外资银行的进入,
中国银行业的发展面临着日趋激烈的竞争,同时也迎来了借助外部力量完菩经营
和管理体制的机遇。但是与国内外大型商业银行相比,邮储银行在组织架构、市
场营销、产品创新、服务渠道的多元化、网络化方面和客户关系管理等诸多方面
还存在较大的差距。为此,如何利用邮储银行自身优势资源,找准战略定位,从
容应对国内外银行的挑战,成为迫切需要解决的问题
本文以邮政储蓄银行山东省济南市分行业务发展现状为背景,在充分调研的
基础上,运用战略管理理论,通过对济南分行各项业务发展所面临的内外部竞争
环境进行分析,找出济南市分行中发展所面临的机会和威胁;对济南市分行内部
资源和整合资源的能力进行了评估。接着围绕济南市分行的战略目标和战略定位,
借助蓝海战略分析框架,提出了济南市分行应采取“全面差异化的竞争战略”;
制定了济南市分行竞争战略实施措施,从差异化战略的总体布局,到微观的组织
架构、营销体系建设和客户关系管理等方面提出了建议。并对竞争战略实施措施
采取了强有力的保障措施,例如,人力资源建设、管理信息系统支撑等措施。以
期为邮储银行济南市分行长期、稳定、全面发展提供有效途径
关键词:邮储银行;竞争战略;差异化
ABSTRACT
In 1986,the postal department reopened savings business. With twenty years of
development, Postal Savings Bank of China, known as “Green Bank, provides
financial service for urban and rural inhabitants which helps to get a high reputation
among customers. Postal Savings Bank of China was formally established in March 6,
2007. Since the establishment of the Postal Savings Bank of China, its administrators
have been focusing on an important issue: how to accelerate the transition to a large
commercial bank in order to promote the development of economy. On January 21,
2012,Postal Savings Bank of China transformed to Stock Limited Corporation with the
approval of the State Council.
Since the end of 2006, China has fully opened the RMB business to foreign banks.
With the entry of foreign banks, China's banking sector is facing increasingly fierce
competition, at the same time, it gains more opportunity to improve the operation and
management system from the external forces. Whereas compared with large domestic
and foreign commercial banks, Postal Savings Bank of China has some shortcomings in
aspects of the organizational structure, marketing, innovation of product, service
diversification of channels, networking and customer relationship management.
Therefore, Postal Savings Bank of China should focus on taking advantage of its
resources with the purpose of dealing with the challenges of domestic and foreign
banks.
With the help of strategic management theory, this paper is based on the status of
business development of Postal Savings Bank of China, Jinan Branch, through fiill
study and the analysis of internal and external environment, for the purpose of
identifying the opportunities and threats faced by the business development of Postal
Savings Bank of China, Jinan Branch. In the meantime, the author assesses the internal
resources and the ability to integrate resources of Postal Savings of China, Jinan Branch.
And then, centers around strategic objectives and strategic positioning of Jinan branch,
and by the means of the Blue Ocean Strategy Analytical Framework, this paper suggests
Jinan Branch adopt a comprehensive differentiation strategy and drafts
implementation measures for the competitive strategy, which provides recommends that
contain the overall layout of the differentiation strategy, micro organizational structure,
marketing system and customer relationship management. It offers strong safeguards to
the implementing measures of competitive strategy, such as the building of human
resources, management information systems support and so on. The purpose of the
paper is working for providing an effective way for the long-term, stable and
comprehensive development of Postal Savings Bank, Jinan Branch.
Key words: Postal Savings Bank of China, Competitive Strategy, Differentiation