第1页共39页编号：时间：2021年x月x日书山有路勤为径，学海无涯苦作舟页码：第1页共39页招商银行战略环境分析第2页共39页第1页共39页编号：时间：2021年x月x日书山有路勤为径，学海无涯苦作舟页码：第2页共39页目录一、PESTEL模型分析....................................................................................................................2（一）政治(Political)因素.................................................................................................3（二）经济(Economic)因素...................................................................................................4（三）社会(Social)因素.........................................................................................................5（四）技术(Technological)因素............................................................................................6（五）环境（Environmental）因素.....................................................................................8（六）法律（Legal）因素.................................................................................................10二、五力模型...............................................................................................................................10（一）竞争对手间的竞争强度...........................................................................................10（二）新进入者的威胁较大.................................................................................................11（三）替代品的威胁：.........................................................................................................12（四）买方议价能力.............................................................................................................13（五）卖方议价能力.............................................................................................................13三、内部环境分析.......................................................................................................................14（一）资源...........................................................................................................................14（二）能力...........................................................................................................................17（三）核心竞争力...............................................................................................................18四、SWOT分析................................................................................................................................19五、发展战略................................................................................................................................20（一）差异化战略.................................................................................................................20（二）国际化战略.................................................................................................................24（三）合作战略.....................................................................................................................26六、发展趋势与建议...................................................................................................................28（一）扩大农村人口业务策略.............................................................................................28(二）银行业实体经营转...
