中国邮政银行的核心竞争力因素分析内容摘要近年来，随着我国加入WTO以后，我国在金融产品服务及研发方面做出了很多成绩，金融改革正在如火如荼的进行中，金融产业，尤其是传统的银行业也因此面临着多项挑战，虽然邮政储蓄在成立之初资金实力相对较强，但面临日益激烈的市场竞争仍应不断推陈出新，提高服务品质，加强内部管理，才能在市场竞争中占有一席之地。本文主要以中国邮政储蓄银行为例，站在如何提升其市场竞争力的角度进行分析研究，分三部分进行具体说明：其一，从概念分析，指出竞争力及银行竞争力等一系列评价标准的具体内涵，奠定本文的主要理论研究基础；其二，针对中国邮政储蓄银行在竞争力方面的现状及存在不足进行主要说明；其三，就目前中国邮政储蓄银行如何提高竞争力给出针对性建议，指出可以通过对企业文化等的完善多方面提升现有竞争力。关键词：邮政储蓄核心竞争力因素商业银行AbstractInrecentyears,withChina'saccessiontotheWTO,ourcountryhasmademanyinthefinancialproductsandservicesandresearchanddevelopment,financialreformisinfullswing,thefinancialindustry,especiallythetraditionalbankingsectoralsofacesmanychallenges,althoughthebeginningofestablishmentofpostalsavingsinfinancialstrengthisrelativelystrong,butthefaceofincreasinglyfiercemarketcompetitionshouldstillconstantly,improveservicequality,strengtheninternalmanagement,togainafootholdinthemarketcompetition.ThispapertakespostalsavingsbankofChinaasanexampletoanalyzeandstudyfromtheperspectiveofhowtoimproveitsmarketcompetitiveness.Itisdividedintothreepartsforspecificexplanation.First,itpointsoutthespecificconnotationofaseriesofevaluationcriteriasuchascompetitivenessandbankcompetitivenessthroughconceptualanalysis,whichlaysthemaintheoreticalresearchfoundationofthispaper.Secondly,itmainlyexplainsthecurrentsituationandexistingdeficienciesofpostalsavingsbankofChinaintermsofcompetitiveness.Thirdly,thepaperputsforwardspecificSuggestionsonhowtoimprovethecompetitivenessofpostalsavingsbankofChina,andpointsoutthatthecurrentcompetitivenesscanbeimprovedthroughtheimprovementofcorporatecultureandotheraspects.Keywords:postalsavings;corecompetitiveness;commercialBanks目录引言.....................................................................................................................1一、中国邮政政储蓄银行的发展背景.............................................................1二、核心竞争力的基本概念和特征.................................................................2（一）核心竞争力的基本概念.........................................................................2（二）商业银行的特征.....................................................................................2（三）商业银行核心竞争力的内涵.................................................................3三、中国邮政核心竞争力因素的现状分析.....................................................3（一）网点选址布局优势.................................................................................3（二）“高覆盖、低成本”的硬资源优势.....................................................3（三）财务方面具有优势.................................................................................4（四）规模经济学与范围经济性.....................................................................4四、进一步提升中国邮储银行核心竞争力的途径.........................................4（一）中国邮储银行发展过程中所存在的问题.............................................4（二）提升邮储银行核心竞争力的途径.......................................
