市场细分与经营定位:济宁银行“蓝海战略”案例  

Market Segmentation and Position:Jining Bank's Blue Ocean Strategy to Promote Micro-Credit

作　　者：岳隆杰[1] 廉龙[1] 高雷[1] 

机构地区：[1]中国人民银行济宁市中心支行,山东济宁272019

出　　处：《金融发展研究》2011年第7期59-62,共4页Journal Of Financial Development Research

摘　　要：在当前中小企业信贷市场竞争更趋激烈的情况下,中小金融机构避开过度竞争,通过创新和发掘新型特色市场来拓展盈利空间,成为提高其经营效益的途径之一。本文通过对济宁银行实施"蓝海战略"推行小微信贷案例进行分析,提出市场细分与准确定位是小微信贷业务深层拓展的基础,剖析后发优势下风险控制技术引进是其可持续发展的重要条件。Competition in SMEs credit market becomes more and more intense,and it is an effective way for small and medium financial institutions to avoid excessive competition and improve operational efficiency through innovation and explore new area of the market.Based on the case of Jining Bank＇s＂Blue Ocean Strategy＂to promote small micro-enterprise credit,we find that market segmentation and accurate position is the basis of small micro-credit expansion,and the introduce of risk control technique is important to its sustainable development based on late-development advantage analysis.

关 键 词：中小银行 低端信贷市场 蓝海战略 

分 类 号：F830.62[经济管理—金融学]