【作者】 张涛；

【导师】 刘长奎；

【作者基本信息】 东华大学 ， 工商管理， 2015， 硕士

【摘要】 商业银行组织结构是银行管理的一个重要组成部分,它对提高商业银行运营效率、塑造核心竞争力有着重要作用。一个商业银行的成功首先要归之于拥有一个高效率的组织结构。近年来,中国银行业特别是国有控股商业银行改革创新取得了显著的成绩,整个银行业发生了历史性变化,在经济社会发展中发挥了重要的支撑和促进作用,有力的支持了中国国民经济又好又快的发展。然而与国际性大银行相比,由于组织效率低下,我国商业银行明显处于劣势,为改变这一被动局面,我国商业银行曾做过多次改革,努力向更先进的商业银行学习,但因工作实际以及多年形成的顽疾,还存在很多不足,如纵向上管理通道过长,管理幅度狭窄,决策滞后、市场反应不够灵敏还不能完全满足客户的需求以及风险防范和内部控制职能不到位需要继续进行组织结构的优化调整,从而不断适应客户和市场的需求。本文在组织结构及其相关理论的基础上,分析了商业银行的组织结构和组织结构变革,对国有商业银行X银行组织结构进行了深入研究,最后在X银行组织结构变革现状基础之上针对其特点阐述了X银行进行组织结构变革需要遵循的原则:经济高效原则、层次简化原则、信息畅通原则、以客户为中心的原则、以人为本原则,并提出了X银行组织架构改革的相关建议,核心措施是管理层级的扁平化与业务单元的垂直化相结合,最后探讨了关于X银行组织结构今后的发展方向,要秉承“以市场为导向,以客户为中心”的经营理念,不断优化服务流程,提供高效、优质的综合金融服务;在不断的发展中,积累经验,不断地完善自身,为员工提供良好的发展平台,打造优秀的企业文化,增强员工凝聚力,激发员工潜力,提升工作效率,最终,成为内部流程高效、迅速,外部口碑最优、服务最好的现代化商业银行。期望本文能够对我国商业银行组织结构变革相关研究进行一定的补充,也对国有商业银行管理效率提高和整体竞争力增强具有借鉴作用。更多还原

【Abstract】 The organizational structure of commercial banks is an important part of bank management, which plays an important role in improving the operational efficiency of commercial banks and shaping the core compe titiveness. The success of a commercial bank should be the first to build a highly efficient organizational structure.In the last years, China’s banks, especially the state-owned commercial banks reform and innovation has made remarkable achievements. All of the banks have been changing, who played an important role in supporting and promoting the development of China’s economy. However compared with the international banks, due to the low efficiency of organization, our country commercial bank has a disadvantage. In order to change the passive situation, our country commercial bank had done many reforms, try to learn the advanced commercial banks. But due to the practical system, and the formed flaws for many years, there are still many problems, such as vertical management path is too long, narrow range of management, decision delay, market reaction is not sensitive, risk prevention and internal control function need to optimiz e and adjustment of organizational structure, to adapt the needs of customers and market.On the basis of the organization structure and related theories, this paper analyzes the organizational structure and organizational structure of commercial banks, and makes a deep research on the organizational structure of the state-owned commercial bank X bank, Finally, based on the X bank organizational structure, and the X bank’s change of organizational structure should follow these principles: efficiency, simplicity, efficient information transmission, customer-centric, people-oriented. Then made recommendations of X bank’s organizational structure reform, that the core measure is a combination of vertical and flat management level business unit. Finally discuss the future development on X bank’s organizational structure, to adhering to the "market-oriented, customer-centric " business philosophy, constantly optimize service processes, to provide efficient, high-quality integrated services. In constant development, gain experience, and constantly i mprove themselves to provide a good platform for employees, create a good corporation culture, enhance employee’s cohesion, stimulate employee’s potential, improve work efficiency. Ultimately, become an commercial bank which is efficient interior, speedy external, best service and reputation. The author expect to enrich the study of organizational structure of China’s commercial banks, and enhance the state-owned commercial bank’s efficiency and competitiveness.更多还原