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[摘要]
伴随经济社会的发展、科学技术的进步与金融市场化的深入,银行业传统的商业模式越来越受到冲击与挑战。本文基于商业模式冰山理论和CET@I方法论,提出针对银行业特点的银行商业模式七要素模型,并与银行业的复杂外部环境分析进行集成,构成了银行商业模式7E-CET@I分析方法;进而运用该方法着重分析银行业所面对的主要环境变化——利率市场化对银行商业模式的动态影响以及银行的应对策略;最后,以宁波银行为案例,系统分析了利率市场化下宁波银行的应对方式,并提出了相应的发展建议。
[Key word]
[Abstract]
With the development of economic society, the progress of technology and deepening of financial marketization, traditional banking business model is confronted with increasing impacts and challenges. Based on business model iceberg theory and CET@I methodology, this paper put forward a new analytical framework named 7E-CET@I. 7E-CET@I is an analytical framework which integrates the complex external environment (industry category, environment and technology) into the proposed 7-dimension model (resource, organization, stakeholders, business units, customers, revenue model and risk management) catering to the features of banking industry. Furthermore, the new framework is applied to analyze the impacts of one significant environmental change——the interest rate liberalization on the business model of banks and its relevant responses. In the end, the case of Bank of Ningbo was introduced to verify our model. Some management suggestions are given based on the systematic analysis of Bank of Ningbo’s ways of handling the dynamic environmental change.
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