COMPARATIVE ANALYSIS OF BUSINESS STRATEGIES BETWEEN REGIONAL BANKS AND STATE-OWNED BANKS IN CHINA: A CASE STUDY OF QUANZHOU BANK AND CHINA CONSTRUCTION BANK

Against the backdrop of the current hierarchical development of Chinas financial system and the intertwined demands of the real economy, this study compares and analyzes the business strategies of Quanzhou Bank (a regional bank) and China Construction Bank (a state-owned bank). In the research process, the strategic positioning of the two was first analyzed from the perspectives of development positioning, core resources, and policy dependence. Secondly, the differences in business strategies between the two were compared in terms of market positioning and customer base, product and service innovation, risk management and compliance, and digital transformation. Once again, the driving factors behind the strategic differences between Quanzhou Bank and China Construction Bank were analyzed, including policy orientation differences, resource capacity constraints, market competition pressure, and different customer groups. Finally, research recommendations were proposed from three levels: regional banks, state-owned banks, and regulatory authorities. In order to reveal the collaborative mechanism and conflict nodes of Chinas multi-level financial system, and provide theoretical basis and practical reference for optimizing the division of labor ecology in the banking industry and enhancing the efficiency of financial services for the real economy.