【正文】
..............................................................II1 引言 ..................................................................12 招商銀行的內(nèi)、外部競(jìng)爭(zhēng)環(huán)境分析 ........................................1 招商銀行發(fā)展現(xiàn)狀介紹 ..............................................1 招商銀行內(nèi)部競(jìng)爭(zhēng)環(huán)境分析 ..........................................2 企業(yè)治理和管理團(tuán)隊(duì)分析 ........................................2 風(fēng)險(xiǎn)管理水平分析 ..............................................3 經(jīng)營(yíng)能力分析 ..................................................3 招商銀行外部競(jìng)爭(zhēng)環(huán)境分析 ..........................................4 金融危機(jī)對(duì)銀行業(yè)的沖擊 ........................................4 日趨復(fù)雜的國(guó)內(nèi)經(jīng)濟(jì)環(huán)境對(duì)中小銀行的影響 ........................43 招商銀行的財(cái)務(wù)分析 ....................................................5 盈利性 ............................................................5 凈利潤(rùn)增長(zhǎng)率 ..................................................5 凈資產(chǎn)收益率 ..................................................5 流動(dòng)性 ............................................................6 流動(dòng)比率 ......................................................6 存貸比率 ......................................................6 安全性 ............................................................7 資產(chǎn)負(fù)債率 ....................................................7 資本充足率 ....................................................7 不良貸款利率 ..................................................84 招商銀行 SWOT 分析 .....................................................8 招商銀行競(jìng)爭(zhēng)優(yōu)勢(shì)分析 ..............................................8 領(lǐng)先于同業(yè)的品牌和服務(wù)優(yōu)勢(shì) ....................................8 多項(xiàng)業(yè)務(wù)和產(chǎn)品優(yōu)勢(shì)明顯,是目前國(guó)內(nèi)最好的零售銀行 ..............9 公司的營(yíng)銷(xiāo)效果是業(yè)內(nèi)最成功的 ..................................9 招商銀行競(jìng)爭(zhēng)劣勢(shì)分析 .............................................10 整體規(guī)模不足 .................................................10 政策扶持力度不足 .............................................10 招商銀行發(fā)展機(jī)遇分析 .............................................10 國(guó)際金融市場(chǎng)處于大分化、大調(diào)整時(shí)期 ...........................10 中國(guó)經(jīng)濟(jì)持續(xù)健康發(fā)展 .........................................10目 錄 公司傳統(tǒng)業(yè)務(wù)仍有較大增長(zhǎng)空間 .................................11 招商銀行面對(duì)的挑戰(zhàn)分析 ...........................................11 宏觀環(huán)境日趨復(fù)雜帶來(lái)的挑戰(zhàn) ...................................11 四大國(guó)有銀行的天生優(yōu)勢(shì)帶來(lái)的挑戰(zhàn) .............................11 同業(yè)競(jìng)爭(zhēng)日趨激烈?guī)?lái)的挑戰(zhàn) ...................................115 提升招商銀行競(jìng)爭(zhēng)力的對(duì)策 .............................................12 擴(kuò)大規(guī)模,增加分支機(jī)構(gòu)及營(yíng)業(yè)網(wǎng)點(diǎn)數(shù)量 .............................12 完善銀行治理結(jié)構(gòu),建立健全經(jīng)營(yíng)管理體制 ...........................12 適應(yīng)發(fā)展潮流,提高金融創(chuàng)新能力 ...................................13 實(shí)施有效的市場(chǎng)營(yíng)銷(xiāo)策略,建立完善的營(yíng)銷(xiāo)機(jī)制 .......................13 做好市場(chǎng)定位,爭(zhēng)取政策支持 .......................................136 結(jié)論 .................................................................14鳴 謝 .................................................................15參考文獻(xiàn) ...............................................................16摘 要 I 摘 要本文分析的是招商銀行競(jìng)爭(zhēng)力問(wèn)題。隨著社會(huì)經(jīng)濟(jì)的進(jìn)步,銀行業(yè)面臨越來(lái)越大的挑戰(zhàn),競(jìng)爭(zhēng)力所體現(xiàn)的意義進(jìn)一步凸顯。招商銀行作為我國(guó)的一家優(yōu)秀的股份制銀行,其競(jìng)爭(zhēng)力有著獨(dú)特的優(yōu)勢(shì),同時(shí),也存在一些來(lái)自自身的、外在的不足。因此,對(duì)招商銀行競(jìng)爭(zhēng)力的分析無(wú)論對(duì)招商銀行本身,還是對(duì)我國(guó)中小銀行業(yè)發(fā)展都顯得尤為重要與迫切。關(guān)鍵詞:招商銀行;競(jìng)爭(zhēng)力;經(jīng)濟(jì)環(huán)境ABSTRACT II ABSTRACTThis paper analyzes the petitiveness of China Merchants social and economic progress, the banking industry faces increasing challenges, petitiveness and further highlights the significance of the expression. It is an important manifestation of prehensive ability of banks to study the development of the petitiveness of the banking industry has farreaching significance. China Merchants Bank as jointstock banks, a good ,It has a unique petitive advantage, while there are some from their own, lack of external .In recent years, changes in magnitude of the economic situation, even more than the wide scope to enhance the petitiveness of China Merchants Bank is imperative, and that the petitiveness of China Merchants Bank ranked top, for domestic small and medium sized listed banks have an important reference. Therefore, the petitiveness of China Merchants Bank China Merchants Bank itself, both, or the development of Chinese small and medium sized banks are particularly important and urgent. This article is divided into four parts, the first part of the first investment banks in the brief contents of the China Merchants Bank to have a general understanding, then investment banks to analyze internal and external environment, specifically the status of China Merchants Bank。 third part of the right investment banks SWOT analys