我国股份制商业银行差异化战略扎根理论分析与实证研究  

Grounded Theoretical Analysis and Empirical Research on Differentiation Strategy of Joint-stock Commercial Banks in China

作　　者：苏虹[1] 谢艳[1] 张同建[2] SU Hong;XIE Yan;ZHANG Tong-jian(Economic and Management School,Leshan Normal College,Leshan,Sichuan 614004;Finance School,Jiangsu University,Zhenjiang,Jiangsu 212013,China)

机构地区：[1]乐山师范学院经济管理学院,四川乐山614004 [2]江苏大学管理学院,江苏镇江212013

出　　处：《大庆师范学院学报》2021年第4期48-56,共9页Journal of Daqing Normal University

基　　金：教育部人文社会科学规划基金项目“复杂系统视角下‘问题金融机构’市场退出机制研究”(17YJA790068)。

摘　　要：差异化战略是股份制商业银行的一项基本竞争战略,可以规避同质化所带来的各种弊端。但在实际竞争中股份制商业银行对差异化战略的实施缺乏明确目标和方向,效率较低。通过扎根理论分析,构建了差异化战略对银行竞争优势的促进效应模型,基于股份制商业银行连续三年的样本数据,检验了差异化策略在竞争优势培育中的功能,指出差异化的优势和不足,进而提出差异化实施的具体路径。由于股份制商业银行差异化起步较晚,缺乏技能、经验和平台,因而需要在基础差异化和策略差异化两个方面同步进行。A basic competitive strategy of joint-stock commercial banks,the differentiation strategy can hinder many disadvantages of homogenization.However,in the actual competition,lack of clear objectives and directions,the banks fail to achieve high efficiency when implementing the strategy.Based on the grounded theoretical analysis,this paper constructs a model of the promoting effect of differentiation strategy on the competitive advantage of banks.Based on the sample data of joint-stock commercial banks for three consecutive years,this paper examines the function of the strategy in the cultivation of competitive advantage,points out its advantages and disadvantages,and then puts forward the specific implementing path.The joint-stock commercial banks started late and lacked skills,experience and platform,so it is necessary to carry out the basic differentiation and strategic differentiation simultaneously.

关 键 词：股份制商业银行 差异化战略 扎根理论 市场定位 监管差异化 

分 类 号：F830.33[经济管理—金融学]