本文以相关的战略理论为指导,对中国邮政储蓄银行山东省分行的发展战略进行
研究。首先分析了中国邮政储蓄银行山东省分行所处的外部宏观环境和行业竞争环境,
继而分析了其内部环境,包括制度环境、资源条件和能力因素。其次,在对内外部环
境分析的基础上提出了中国邮政储蓄银行山东省分行的战略定位,在定位的基础上提
出了山东邮政储蓄银行的战略目标规划、总体战略方向、具体战略发展思路及战略实
施的措施建议,其中包括山东邮政储蓄银行在发展中会面临的多重问题及解决这些问
题的方法。
通过对山东邮政储蓄银行的战略梳理,明确了山东邮政储蓄银行的发展方向,指
出在今后的发展中应该重视和做出的相应调整,进一步明确了山东邮政储蓄银行未来
发展的机遇及应对措施。
关键词:中国邮政储蓄银行山东省分行;SWOT分析;战略定位;发展战略
Abstract
Shandong postal savings has become an indispensable force of the rapid development of
financial services in the financial services system in Shandong Province,and in the
de:velopment process, but is facing a lot of difficulties and problems, mainly reflected in:
Shandong postal savings has not been slow to get rid of the shackles of the traditional postal
system and the reform of the management mechanism is slow; WTO has bring a greater
impact on China&39;s financial industry(including postal savings bank); Shandong postal
savings is at a distinct disadvantage compared to other professional commercial banks; As
deposit interest rates turn down, postal savings spread income began to decline; Increase in
savings deposits decreased compared with the four major commercial banks, the market
share is low,and the user base is narrow and so on. Therefore, how exactly to locate
Shandong postal savings, develop what kind of development strategy in order to protect the
orderly conduct of its reform and development and upgrade the competitiveness,at the same
time play the role of serving the local and three rural in the financial system in Shandong
Province, has become the major strategic issues that Shandong postal savings urgently need
to face and solve and have great value and practical significance.
This paper has studied the development strategy of Shandong postal savings by using
related strategy theory. Firstly, analyzed Shandong postal savings&39;s macro environment and
industry environment,and further it&39;s internal resources and capabilities. Secondly, based on
the above analysis,proposed development strategy and implementation measures of
Shandong postal savings.Lastly,pointed out the strategies Shandong postal savings should
carry out as advancing the development with characteristics and how to grasp the
development opportunities facing the three rural.
At last point out the further developing directions through clarifying the strategy of
Shandong postal savings. Further more,also pointed out the corresponding adjustment in the
future that Shandong postal savings should pay attention to.
Keywords: Shandong Postal Savings; SWOT analysis; Strategic Positioning; Development
Strategy
第1章绪论
1.1研究背景及意义
1986年,国务院批准成立了中国邮政储蓄部门,从此中国邮政储蓄从过去停滞不
前的发展状态开始迈向一个新的发展阶段。2006年12月31日,为根本改革中国邮政
储蓄部门经营效率不高的体制结构,推进企业法人治理结构建设,中国邮政储蓄银行
经过中国银监会正式批准开办营业,2007年3月6日,中国邮政储蓄银行有限责任公
司成立,同年12月28日,中国邮政储蓄银行山东省分行在济南正式成立。山东邮政
储蓄银行自成立伊始,便已具备相当的规模,在金融服务领域,依托过去邮政储蓄业
务的长期经营积累,金融服务网络已经覆盖了全省城乡90%以上的区域,目前山东邮
政储蓄银行已成为山东省金融服务体系一支不可或缺、快速发展的金融服务力量。截
止2010年末,山东邮政储蓄银行储蓄余额达1973.18亿元,个人贷款累计发放272亿
元,均居全国邮储同业第2位,人民币理财中间业务累计销量169亿元,居全国邮储
同业第1位,并且形成了覆盖全省城乡、营业网点最多的大型国有金融机构,营业网
点达2578个。但在发展过程中,山东邮政储蓄银行也面临着不少的困难和问题,主要
表现在:由于金融市场竞争的日趋激烈,与其它专业性的商业银行相比,山东邮政储
蓄处于明显的劣势;WTO背景下,对中国金融业(包括邮政储蓄银行)带来较大的冲击;
转存款利率下调,邮政储蓄利差收入开始下降;山东邮政储蓄银行尚未摆脱传统邮政
体制的束缚,管理机制改革缓慢;储蓄余额增幅下降,与四大商业银行相比,市场占
有率低,用户群狭窄等等。因此,山东邮政储蓄银行究竟该如何定位,制定什么样的
发展战略,才能保障其改革发展有序进行,竞争力不断得到提升,与此同此在山东省
的金融体系中发挥服务地方、服务“三农”的作用,目前就成为了山东邮政储蓄银行
亟需面对与解决的重大战略问题,具有极大的研究价值与现实指导意义。
本文试图对山东省金融业进行波特五种力量的分析,对山东邮政储蓄进行SWOT分
析,然后在对山东邮政储蓄银行进行合理定位基础上,明确地提出了山东邮政储蓄银
行今后的发展战略方向,从而一方面为山东邮政储蓄银行有效参与市场竞争、提升核
心竞争力提供指导,另一方面也为全国各大省市邮政储蓄银行的发展提供借鉴。
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