中國民營銀行策略分析——以中國民生銀行為例

隨著中國銀行產業的逐步開放，民營銀行於近年來逐步興起，民營銀行之規模快速發展壯大。在民營銀行與民營銀行相互競爭中，銀行內部之管理、銀行之商業模式成為銀行專業化與差異化競爭的關鍵。民生銀行從1996年經營至今，已成為中國大陸第六大商業銀行。民生銀行特別的商業模式使得它成為最成功的銀行之一。本研究首先介紹了中國銀行產業的現況，特別是中國大陸銀行業的發展歷史、產業結構以及競爭狀況，充分了解中國銀行業市場的現況。其次是由1996年開始開放民營資本進入銀行業後，分析業界對於民營銀行概念的界定、業務的劃分等一系列政策。并運用SWOT分析法瞭解民營銀行所處市場環境及市場地位，認清民營銀行未來發展的途徑。最後則是以中國民生銀行為例，研究其改革之路及商業模式。運用PEST分析、SWOT分析與民生銀行是如何從四大國有銀行及幾十間國有資本股份制銀行中找到適合自己的發展之路。筆者將著重分析事業部改革、小池塘養大魚策略、小微企業貸款等核心策略，并運用其中幾個案例進行分析。本文的研究有助於了解民生銀行成功的商業模式及經營策略，對其他民營銀行有一定借鑒意義。

關鍵字

民營銀行；民生銀行；小微企業

並列摘要

With the gradual liberalization of the banking industry in China, the private owned banks are emerging together. The scale of the private owned banks are rapid development in recent years. Internal management and the business model of privates owned banks have played a key role in forming specialization and differencing competitive advantage. China Minsheng Bank, funded from 1996, has become to the sixth largest commercial bank in China. The particular business model makes it become to one of the most successful banks. This research has be organized in the following ways. First, to fully understand banking market in China, this study introduced the current status of banking industry in China, especially the development of history, industry structure and competitive structure. Second, I summarized the definition of private owned bank, common business sector, and a series of other business policies. SWOT analysis tool is used to analyzed private owned bank’s external environment, market status and identify the possible development path in future. Finally, based on the case of China Mingsheng Bank, this study is to investigate the path of reformation and business models. More specifically, PEST and SWOT are used to analysis how Minsheng bank found the right development path in the hyper-competition of four state owned bands and dozens of state-owned joint-stock banks. This study is emphasis on the analysis the core strategies of business divisions reformation, small pond raising big fish strategy, small micro-enterprise loans, etc., The contribution of this study is to help managers to understand the Minsheng Bank's successful business model and business strategy. It is also has some reference to other private banks.

並列關鍵字

Private Owned Banks ； Minsheng Bank ； SME

參考文獻

[1] 陳秀育，Relational vs. Transactional Banking Strategy in Over-Banking Era: an Examination of Banking Industry in Taiwan with a Strategic Perspective, National Taiwan University,2004

[2] Harry Reddy, Global Business Strategy and Innovation in Banking, 2004

[20] 林詠喬，《商業銀行與投資銀行之產業競爭均衡分析——兼論金融危機之成因》，國立台灣大學，2007

英文文獻