MBA教育中心知识库

摘 要

近年来，中国经济保持着平稳增长的态势，银行业作为金融行业中的重要组成部分备受关注。移动支付、大数据、云计算、区块链的发展使中国金融科技市场竞争日趋激烈，给传统商业银行带来巨大挑战。《“十三五”国家科技创新规划》将促进科技金融产品和金融服务的创新放在突出位置，金融科技发展迎来重大利好，为商业银行提供了新的发展机遇。作为城市商业银行相比大型商业银行在规模和技术方面的差距，金融科技转化的竞争力显得尤为重要。

本文运用经济学、管理学的相关理论和知识，从核心竞争力、战略转型和金融科技的核心概念入手，利用文献研究、定性分析、归纳演绎等手段，以兰州银行为研究对象，运用战略六要素、PEST、波特五力模型、SWOT分析法，通过考虑金融科技数字化对于兰州银行核心竞争力的影响，分析目前面临的宏观、行业以及内部环境，深入剖析兰州银行发展战略现状以及存在的资源配置不均衡、战略定位不明确、科技应用不到位、竞争优势不明显的典型问题和成因，基于金融科技的视角研究适合兰州银行本土发展的战略转型策略。

通过研究，针对金融科技背景下兰州银行的战略环境及存在问题，设定兰州银行战略转型的市场、产品、服务定位和差异化、轻型化、数字化的原则和目标，制定具体的实施策略，主要包括：战略目标精准化、网点转型智能化、业务流程精简化、产品开发差异化、科技成果应用化、渠道建设场景化。还根据转型策略提出保障措施：转变管理理念、调整结构制度、提高科技水平、强化人才培养、塑造企业文化。研究对于兰州银行未来的战略发展具有一定指导作用，同时对其他城市商业银行在金融科技背景下选择战略转型模式、提高核心竞争力、实现企业价值最大化也有相应参考价值。

Abstract

In recent years, China's economy has maintained a steady growth trend, banking as an important part of the financial industry has attracted much attention, mobile payment, big data, cloud computing, block chain development has made China's financial science and technology market competition gradually fierce, bringing huge challenges to traditional commercial banks.The National Science and Technology Innovation Plan of the 13th Five-Year Plan plays an important role in promoting the innovation of science and technology financial products and services, the development of financial science and technology ushered in great benefits, providing new development opportunities for commercial banks. As a city commercial bank compared with large commercial banks in the scale and technology gap, the competitiveness of financial technology transformation is particularly important.

With the help of the theory of economics and management, starting with the core concepts of core competitiveness, financial science and technology and strategic transformation, this paper makes use of literature induction, qualitative analysis, inductive deduction and other means to study bank of Lanzhou, using the six elements of strategy, PEST、 Porter's five-force model and SWOT analysis method, by considering the financial science and technology to the influence of the core competence of lanzhou bank, digital analysis facing the macro, industry and internal environment, This paper deeply analyzes the development strategy status quo of Lanzhou Bank, as well as the existing typical problems and their causes, such as unbalanced resource allocation, unclear strategic positioning, inadequate application of science and technology, and lack of obvious competitive advantages. Based on the perspective of financial technology, the paper studies the strategic transformation strategy suitable for the local development of Lanzhou Bank.

Through the research, according to the financial science and technology background Lanzhou bank's strategic environment and existing problems, sets the market, the product, the service localization and the differentiation, the light, the digitization principle bank of Lanzhou strategic transformation, formulates the concrete implementation strategy, mainly includes: the strategic goal precision, the network transformation intelligence, the business process streamlining, the product development differentiation, the science and technology achievement implementation, the channel construction scene. According to the transformation strategy, the guarantee methods are put forward: changing the management idea, strengthening the talent training, optimizing the structure system, shaping the enterprise culture and strengthening the level of science and technology. At the same time, it is of reference significance for other urban commercial banks to choose the corresponding strategic transformation model, enhance the core competitiveness and maximize the value of enterprises under the environment of financial science and technology.