An Analysis Of The Organization Structure Reform Of State-owned Holding Commercial Banks

State-owned holding commercial banks, as the main body of China's banking system, in the modern commercial bank in the process of transition, are facing changes in the management system and operational mechanism and tasks and challenges. In the increasingly complex fierce competition in the market environment, how to build a competitive structure, effectively to promote the management structure and the operation mechanism of reform and innovation, and corporate governance reform as soon as possible to achieve the strategic objectives, must be resolved as soon as possible and become a major issue which state-owned holding commercial banks are facing.This paper discusses the current status of the state-owned holding commercial banks to carry out organizational restructuring and adjustment of the mode and means. The first part is Introduction which includes topics background and significance of topics, research framework and main contents, methods and possible innovation. The second part is divided into organization structure of the relevant theoretical basis for the design and definition, the organization structure design on the basis of theory, the specific design of the organization structure of a theoretical foundation. Part three is divided into the mainstream of Western commercial banks organization model of a comparative analysis of the Western commercial banks through the organization structure of the description of the advanced Western commercial banks of the organization structure and the main characteristics of the revelation. Part four is divided into state-owned holding commercial banks' organization structure analysis and design. Based on the analysis of state-owned holding commercial banks' drawbacks of traditional organization structure, necessity and feasibility of the need organization structure reform, internal and external environment and conditions on the basis of the state-owned holding commercial banks , the key areas of the organization structure reform designed are carried out. The main points of this part include: horizontal design departments, the vertical flat design, future business outlets strategic restructuring, operational background on key vertical customer management, service team building, risk control organization design. Part five, taking China Construction Bank Shandong branch as an example, it outlines in the basic situation on the basis of the status through its organization structure and the analysis of existing problems, further improves and refines its organization structure and relevant institutional mechanisms for the proposal.The main conclusions reached in this paper include: state-owned holding commercial banks' reform of the organization structure should be in the vertical direction of the business unit system and the level of the flat agencies combined matrix organization structure. The reform of state-owned holding commercial banks' organization structure is a huge project, which calls for well-organized and meticulous planning. In the current circumstances, state-owned holding commercial banks should reform the organization structure of the conditions of maturity as making steady progress, and actively and steadily implemented. These conditions include: unified sound management information systems, optimizing and smooth operation of the business process management and mature business licensing mechanism, efficient risk control system, and incentive and restraint mechanisms of differentiation and resource allocation mechanism. As a member of state-owned commercial banks, the authors involved in the shareholding reform of state-owned banks, including the organization structure in the process of reform, the issues related to a certain theoretical understanding, and in this respect the thinking and perspective has brought references to state-owned holding commercial banks' further reform.