摘要随着宏观经济增速放缓、经济结构不断优化升级、金融改革持续深化以及互联网金融的迅猛发展，中国银行业进入新的发展阶段。城市商业银行作为我国银行体系的重要组成部分，却面临金融业改革、同行竞争和跨行业竞争日益激烈和自身发展转型的多重挑战，本论文以浙江泰隆商业银行作为研究对象，综合运用访谈法、文献调查法等方法，对其差异化战略开展详细分析。本文阐述了相关研究背景并提出问题：城商行当前发展遇到了瓶颈——走上了同质化竞争的道路。根据《竞争战略》一书提出的差异化战略理论和竞争战略理论，并通过广泛阅读相关期刊、论文、研究报告等文献，对国内外关于银行差异化发展的研究现状有了一个较深入的认识。接着运用PEST模型和波特五力模型分析浙江泰隆商业银行的外部环境，再大致介绍了浙江泰隆银行的发展历程及目前情况，从多个维度去分析其内部资源状况。随后利用SWOT分析矩阵确认差异化竞争战略浙江泰隆银行的最佳竞争战略。最后对浙江泰隆商业银行提出差异化战略的实施建议。关键词：城市商业银行：竞争战略：差异化战略燕山大学本科生毕业设计（论文）摘要AbstractChina'sbankingsectorhasenteredanewstageofdevelopmentwiththeslowinggrowthofthemacroeconomy,HYPERLINK"javascript:;"thecontinuousoptimizationandupgradingoftheeconomicstructure,thedeepeningoffinancialreformandtherapiddevelopmentofInternetfinance.Citycommercialbankasanimportantpartofourcountry'sbankingsystem,facesfinancialsectorreform,peercompetitionandacrossindustryincreasinglycompetitive,andthemultiplechallengesoftheirowndevelopmenttransformation,thispapertakeszhejiangtyronecommercialBanksastheresearchobject,theintegrateduseofinterviewmethod,themethodofliteratureinvestigationmethodandsoon,thedifferentiationstrategytocarryoutadetailedanalysis.Thispaperelaboratestherelevantresearchbackgroundandputsforwardsomeproblems:thecurrentdevelopmentofurbancommercialbankhasmetthebottleneckofhomogenizationcompetition.AccordingtotheauthorputsforwaHYPERLINK"javascript:;"rdcompetitivestrategyofdifferentiationstrategytheoryandcompetitivestrategytheory,andthroughextensivereadingrelatedjournals,papers,researchreportsandotherliterature,theresearchonbankdifferentiationdevelopmentpresentsituationathomeandabroadhaveadeeperunderstanding.ThenbyusingPESTmodelandporterfivemodelanalysisofzhejiangtyronetheexternalenvironmentofcommercialBanks,thenOutlinesthedevelopmentcourseandthepresentsituationofzhejiangtyronebank,frommultipledimensionstoanalyzeitsinternalresources.ThenthebestcompetitivestrategyofzhejiangtelonbankwasconfirmedbySWOTanalysismatrix.Finally,itputsforwardtheimplementationsuggestionofdifferentiationstrategyforzhejiangtailon