| The purpose of the paperD.B.Glady, the professor from Middle Tennessee state university pointed out: it is the strategy planning and flexible organization that play a key role in the future development of financial companies. The organization regulates the corresponding behavior model and operation mechanism of commercial banks, thus restricts the fulfillment of their function and efficiency. So if in possession of the appropriate organization management, especially the design and management of organization structure, commercial banks will form the high efficient decision-making system and unobstructed information networks, which will improve their operation efficiency and realize their business goals.In the period of the transition from the state-plan economy to the market-oriented economy, to establish the modern commercial banking system is the goal and direction of our banking reform. However, there is no conflict between the establishment of modern banking system and the formation of modern banking organization structure, in fact they depend mutually in their formation period. At present, there are many limitations and drawbacks which depress their efficiency in our state-owned commercial banks. For example, commercial banks arrange their branches and inside divisions according to the administrative district and government's level array. Such arrangement will lengthen the chain of principle-agent and result in the serious information asymmetry problem. At the same time managers can't make the right decisions without any delay. What's more, the local government will interfere the business of the branch. Then the branch or sub-branch of commercial banks is more like local one. As a result, lots of non-performed loans have formed and the credit resources are not collocated efficiently.Therefore, this paper focuses on the construction of the moderncommercial banking organization structure of our state-owned commercial banks. And it is meaningful to research this subject in order to establish the modern banking system and improve the operation efficiency. At the same time, this paper will provide some valuable advice on how to change the current organization structure of state-owned commercial banks step by step.The main content and framework of this articleThis paper is divided into four chapters. The first chapter studies the popular theory of modern enterprise organization structure including the concept, the basic construction principle, the development history. Then as a special modern enterprise, the modern commercial bank' organization structure is discussed in Chapter 2, and some useful conclusions have been made by analyzing how international famous commercial banks establish and arrange their branches and inside divisions. In the third and forth chapter, the author emphasizes on finding out the problems and the realistic situation related to our state-owned commercial banks' organization structure by combining the popular theory.There are three sections in Chapter 1. Before the discussion of organization structure theory, the paper firstly demonstrates the precondition of modern organization theory. That is market economy environment and mature modern enterprise system. Then in Section 1 and 2, the author introduce the concept and construction principle of modern enterprise organization by reference to the views of world-famous management study master Chandler and analyze the evolvement history of it. In Section 3, since commercial banks are the special enterprises whose main business is related to money, they should also obey the same construction principle. In detail, there exist vertical and horizontal organizational structures in commercial bank framework. The former means the construction and management of branch and sub-branch of commercial banks, the latter is the inner division arrangement. In a word,Chapter 1 has set up a solid foundation for our following detailed analysis for our state-owned commercial banks' organization structure. But one problem should... |
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