On The Organizational Structure Of The Commercial Banks

Commercial banks is in a dominant status in whole financial system in such aspects as follows: amount and number, scale, business scope and transaction amount of financial, so over half-amount financial transactions take place during commercial banks, and the behavior pattern and management mechanism of commercial banks are related with marketed economy.Therefore, the basic feature and demand are presented in distribution of resources. The important status and function of commercial banks in financial system and financial transaction decide the study of commercial banks should be placed an important status. Considering the studying scope of commercial banks of domestic and foreign countries, the study of organization structure of commercial banks is less than the one of the commercial banks' business and the theory of management of commercial banks. The dissertation focuses on the framing of the contemporary commercial bank structure in the market economy. The general sense of the commercial bank structure includes the internal and the external organization. The former refers to the internal property right of the bank which is closely related to the decision function, the dynamics structure and the behavior model. The latter refers to the branch organization and the external economic relations which is connected with the rational deployment of the resources and the operational cost and efficiency of the commercial bank. The narrow sense of the commercial bank structure simply concentrates on the external organization, researching that the organizational system is of the single bank system, the chain bank system or the head-branch system and how to set up the branches if the third system is applied. In this , the general sense of the commercial bank structure is the subject of study. In the market economy, structuring the contemporary bank system relies on the organization of the bank. The specific organizational structure corresponds to the specific behavior model and operational system, which determines the performance and the efficiency of the functions of the bank.The dissertation starts from the theoretical study on the contemporary enterprise structure and analyses the characteristics of the organization of the commercial bank, a special type of contemporary enterprise. Then, the dissertation illustrates from two aspects the efficiency and benefit resulted from different organizations of the commercial banks. The first aspect is about the different internal structure or different arrangements of property rights influencing the operational efficiency differently. It instructs the compare between the shareholding commercial banks in market economy and the singly public-owned commercial banks revolving from planned economy. The second aspect is about the compare of cost and return under different external organization. On the base of compare the advantages and disadvantages of different external organization, the analysis focuses on the reasonableness of the branch setting-up in the head-branch system. From this point on, the dissertation turns to the practical study. It conducts a brief investigation on the transformation process of the state-owned commercial banks of China, and analyses the opportunity and limitation faced by the transformation of the present structure of the state-owned commercial bank and also the practical choice determined by them. The article uses such methods of studying as two junctions of contrast and induction, positive analysis and normative analysis. In studying the external and internal structure system of banks, the paper distinguishes commercial banks from state-run ones, and different reasons and results are stemmed from the analysis of efficiency, cost and benefit. The junction of positive analysis and normative analysis shows in two aspects: on the one hand, it belongs to positive analysis that the state-run banks transfer from traditional planned economy to commercial banks of contemporary marked economy; on the other hand, the paper also gives some n...