我国商业银行竞争战略分析[摘要]对于商业银行而言，在新的形式、新的竞争格局下，面对国内日益加剧的同业竞争和外资银行大举进入，挑战与机遇并存，如何应对新的变化、如何选择竞争战略、建立新的竞争优势、如何发展成为一个无法回避的现实和急需解决的迫切任务。因为现代商业银行之间的竞争已不是单一层面上的竞争，而是从银行产品、人才、资产等，发展到在银行战略上的全方位、整体实力的竞争。因此，提升商业银行的战略理念就显得十分必要。这不仅关系到我国商业银行自身的生存和发展，同时也关系到整个银行业的生存和发展，乃至国家的经济与金融安全对商业银行竞争战略的研究是从对我国银行业的市场结构的判断开始的，中国银行业高度垄断的特征说明了银行业市场中各类竞争对手具有不同的优劣势。关于我国商业银行竞争战略分析这一课题，许多学者都做了展开研究。SWOT 分析是竞争分析的基础，只有认清自己的优势和劣势，才能根据环境的机遇和威胁来制定适合我国商业银行的竞争战略。[关键词] 商业银行；竞争；战略；Abstract: For commercial banks， in new forms， new competition pattern， facing the increasing competition and the large-scale entry of foreign banks， challenge and good luck coexist， how to deal with the new changes， how to select the competitive strategy， the establishment of new competitive advantages， how to become an unavoidable reality and urgent urgent task. Because the modern competition among commercial banks has either a single competition on the level， but from the banking products， personnel， assets ， development strategy in Bank of all-around ， whole strength competition. Therefore， promoting the commercial bank strategic concept is very necessary. This is not only related to the Commercial Bank of our country 's own survival and development， but also related to the whole banking industry's survival and development ， and even national economic and financial safety. On the competition strategy of commercial banks Iresearch is from China's banking market ...
