摘 要随着宏观经济增速放缓、经济结构不断优化升级、金融改革持续深化以及互联网金融的迅猛发展，中国银行业进入新的发展阶段。城市商业银行作为我国银行体系的重要组成部分，却面临金融业改革、同行竞争和跨行业竞争日益激烈和自身发展转型的多重挑战，本论文以浙江泰隆商业银行作为研究对象，综合运用访谈法、文献调查法等方法，对其差异化战略开展详细分析。本文阐述了相关研究背景并提出问题：城商行当前发展遇到了瓶颈——走上了同质化竞争的道路。根据《竞争战略》一书提出的差异化战略理论和竞争战略理论，并通过广泛阅读相关期刊、论文、研究报告等文献，对国内外关于银行差异化发展的研究现状有了一个较深入的认识。接着运用 PEST 模型和波特五力模型分析浙江泰隆商业银行的外部环境，再大致介绍了浙江泰隆银行的发展历程及目前情况，从多个维度去分析其内部资源状况。随后利用 SWOT 分析矩阵确认差异化竞争战略浙江泰隆银行的最佳竞争战略。最后对浙江泰隆商业银行提出差异化战略的实施建议。关键词：城市商业银行：竞争战略：差异化战略燕山大学本科生毕业设计（论文）摘要AbstractChina's banking sector has entered a new stage of development with the slowing growth of the macro economy, the continuous optimization and upgrading of the economic structure, the deepening of financial reform and the rapid development of Internet finance. City commercial bank as an important part of our country's banking system, faces financial sector reform, peer competition and across industry increasingly competitive, and the multiple challenges of their own development transformation, this paper takes zhejiang tyrone commercial Banks as the research object, the integrated use of interview method, the method of literature investigation method and so on, the differentiation strategy to carry out a detailed analysis. This paper elaborates the relevant research background and puts forward some problems: the current development of urban commercial bank has met the bottleneck of homogenization competition. According to th...
