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| 民生银行零售业务SWOT分析 内容摘要：在世界上大多数国家中，依靠国家为背景的国有银行占有重要地位，但民营银行也逐渐在成为银行业不可小视一股力量。1996年民生银行成立——我国第一家民营银行，我国民营银行也取得了迅猛发展。在当今金融全球化的情况下，随之而来的是个人收入以及财富的快速增加，零售业务已成为西方发达国家商业银行的银行业务发展的战略重点，而我国商业银行也不例外。围绕客户、产品、渠道和人才，中外各大银行在零售业务方面也进行着激烈的竞争。本文主要探讨民生银行在新的经济环境下，面对市场多元化的金融需求和同业激励竞争，如何发展零售业务。 关键词：民生银行 零售业务 SWOT分析 Abstract:State-owned banks in most countries in the world, relying on the state as the background plays an important role, but private banks have gradually become a not inconsiderable force. In 1996 Minsheng Bank set up - China's first private bank, since its establishment, Private Bank in China has also made rapid development. In today's financial globalization, followed by a rapid increase in personal income and wealth, the retail business has become the important strategic of the business development of the Western developed countries, China's commercial banks are no exception.Around customers, products, channels and talent, major Chinese and foreign banks in the retail business engaged in fierce competition. This paper mainly discusses the Minsheng Bank Shanghai Branch in the new economic environment, in the face of the financial needs of the market diversification and industry stimulate competition, how to develop the retail business of Minsheng Bank Shanghai Branch. Key words: Minsheng Bank retail business SWOT analysis
目 录
一、引言…………………………………………………………………………………………3
二、文献综述……………………………………………………………………………………3
（一）研究的目的和意义…………………………………………………………………4
（二）相关研究回顾…………………………………………………………………………4
（三）研究方法………………………………………………………………………………5
（四）研究的思路…………………………………………………………………………6
三、民生银行零售业务现状………………………………………………………………6
（一）零售业务存款情况………………………………………………………………6
（二）零售业务贷款情况………………………………………………………………7
（三）其他零售业务情况…………………………………………………………………8
四、民生银行零售业务SWOT分析……………………………………………………9
（一）优势分析………………………………………………………………………………10
（二）劣势分析………………………………………………………………………………11
（二）机遇分析………………………………………………………………………………12
（二）威胁分析………………………………………………………………………………13
五、民生银行基于SWOT分析的战略思考………………………………………14
（一）优势-机遇（SO）战略……………………………………………………………14
（二）劣势-机遇（WO）战略……………………………………………………………15
（三）优势-威胁（ST）战略……………………………………………………………16
（四）劣势-威胁（WT）战略……………………………………………………………16
六、民生银行基于SWOT分析的战略举措……………………………………………16
（一）推进银行零售业务事业部制改革…………………………………………………16
（二）建立社区银行的概念…………………………………………………………………17
（三）核心业务策略…………………………………………………………………………17
参考文献…………………………………………………………………………………………18
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