A Study on Development Tendency of Western Commercial Bank and Its Implications to State-owned Commercial Banks in China

摘要

Under the macro-environment of economic globalization and financial liberalization, the development of western commercial banks have signified many new characteristics and tendencies: the business of investment bank and retail become the important source of profit, corporate culture and brand have become the important strategy dependence, internationalization degree and the sum of oversea assets steadily goes up. Based on following analysis, this paper explores the focal points of commercial banks' competitive strategies for the state-owned commercial bank, including making great effort in retail business and confirming the dominant competitive strategy, giving more regards to cultivate corporate culture and propel brand construction, developing compound operation and implementing internationalization based on nationalization etc.