商业竞争

Based on Game theory, the price and serves competitionstrategy of the commercial bank are studied in this paper.

在目前国有商业银行进行股份制改革、上市以及我国对外资银行全面开放的背景下，运用博弈论及竞争力理论研究商业银行间信贷业务的价格及服务两方面的竞争策略及合作策略等问题具有一定的现实意义。

Adjustments of Second-hand housing policy reduce the deal cost, boosting buyers' expectations; In addition, such change may increase the liquidity of housing, which will speed up investment in new housing and shops. However, the price continue to drop, especially when the new year is coming, more shop investors keep waiting and seeing due to the financial crisis, macro news. Basing on the demand point of view, some demand for living improvement delay the bargain, so did demand for investment due to bad profit-making. As a result, the demand is difficult to start up, while the supply funds is not sufficient, therefore such commercial real estate enterprises will be out of the market due to their inability to meet the finance crisis. Under competitive pressures, the developers will pay more attention to products quality and products differentiation with a view to compete in the market to get a dominant position.

二手房政策的调整降低了购房者的购房成本，刺激了购房期望；另外，二手房政策的改变可能会增加房源的流动性，这样也会加速新房的销售，商铺投资逐渐活跃，但价格表现却成下行趋势，尤其是年关临近，在金融危机面前，商铺投资者多持币观望，从需求者的角度讲，部分改善型需求和投资型需求的购买行为将向后推迟，炒房者将因投机能力下降而不同程度地退出市场，另外，需求难以启动，供给方资金链紧张，部分自有资金不充裕的商业地产企业将面临因无力融资而退出市场的风险，企业因竞争压力大，将更加注重开发产品的品质，提供差异化的产品，以期在市场竞争中占得优势地位。

Commercial banks allowed to sponsor funds management companies, they can develop funds activities on the condition that groups undertake mixed-operation while its funds filiation only can undertake its own activities. In fact, this is an important act for Chinese commercial banks to impulse to commingle all kinds of activities. Also, this act should be favorable to healthy capital market's developing and financial reform deepening. In addition, this act makes sense to change unbalance financing structure, the single assets structure of commercial banks, and to improve the international competition strength of Chinese financial industry.

允许商业银行投资设立基金管理公司，商业银行在"集团混业"、"公司分业"的条件下开展自营投资基金业务，是提高中国银行业综合竞争能力的一项重要举措，有利于促进资本市场健康发展，也有利于促进金融改革的深化；并且，对于解决我国当前融资格局失衡，改变商业银行较为单一的资产结构，提高金融业的国际竞争力，具有重要的意义。

Because commercial banks' loan is the main approach currently solving capital problems of SMSE, therefore, commercial banks need study risk control of SMSE's credit business, establish a set of risk control system so as to ensure the smoothrunning of the loan, and to provide capital support for SMSE's development, which, inturn, offers the beneficial help for commercial bank to disperse capital risk and toimprove competitive ability.

而商业银行贷款是当前解决中小企业资金问题的主要途径。这就要求商业银行研究中小企业信贷业务风险控制，建立起一套风险控制体系，以保证这项业务的正常开展，从而为中小企业发展提供资金支持，也为商业银行分散资金风险，提高竞争能力提供有益的帮助。

Matrix management framework has become a core principle for western commercial bank operation and management.

银行业竞争程度的加剧对商业银行的管理模式提出了更高的要求，矩阵式管理框架已经成为西方商业银行经营管理的核心原则，而我国国有商业银行仍沿用着传统的计划性很强的层次管理结构？

No one is laughing now. On August 31st Allianz, an insurer, gave up the st ruggle to make anything of its 2001 purchase of Dresdner and sold the bank to Commerzbank for 9.8 billion euro ($14.2 billion).

不久前，德瑞斯顿银行的投行分支德累斯顿-克莱沃特的员工谈及德国商业银行这一竞争对手时，还将其冠以&滑稽的银行&，但现在没人嘲笑德国商业银行了。8月31日，安联保险集团放弃它2001年收购的德瑞斯顿银行并将其以98亿欧元（142 亿美元）价格卖给德国商业银行。

With the slowing down of the world economic growth and the rapid development of non-bank financial institutions, fund demand of commercial banks decreases relatively. Therefore, commercial banking changed from "the seller"s market " into "the buyer"s market " in which competition has been much intenser. Then marketing management in commercial banks becomes a trend of world.

随着世界经济增长放缓和非银行金融业的迅速发展，金融市场对商业银行的资金需求相对减少，商业银行已从&卖方市场&转向&买方市场&，竞争空前激烈，发展和创新商业银行营销管理成为世界银行业管理的发展趋势。

This sectior lucubrates the relative theory of competition strategy and practice in commercial banks.

围绕该框架，本文对银行三个层面的竞争力进行了论述，然后提出了与银行竞争层面相对应的银行竞争战略；本文第4部分从注意的问题和应采取的环境策略两个方面提出了优化商业银行竞争战略模式的策略。

A bank looks for guaranty when the business to be financed is too risky: an unrealistic business plan, a managerial team without experience in competitive markets, an industry with problems (fixed telephony is in descending part of its lifecycle!), the presence or interference of state in business.

当商业融资风险较大时银行需要担保：一份不切实际的商业计划，在竞争市场上没有相关经验的管理团队，有问题的行业（固定电话已经到了生命周期的衰退阶段），商业运作中政府的介入或干涉。

A local analysis of the commercial sector, a large number of commercial projects and quasi-commercial projects for implementation, the regionalization of the relative residential project marketing characteristics, will not lead to competition among developers, or commercial projects throughout the competitiveness of our embodiment.

分析当地的商业部门，大量的商业项目和准商业项目的实施，区域化的相对住宅项目营销的特点，将不会导致开发商之间的竞争，或者在整个商业项目的竞争力体现。

The split between the two groups can hardly be papered over.

这两个团体间的分歧难以掩饰。

This approach not only encourages a greater number of responses, but minimizes the likelihood of stale groupthink.

这种做法不仅鼓励了更多的反应，而且减少跟风的可能性。