Transformation Of State-owned Commercial Banks Grassroots Operator

Since the full liberalization of the end of 2006,the financial system of China had been keeping up with the general direction of the integration of the international financial system.And these changes in the financial environment had created a new environment and proposed a new challenge for China's state-owned commercial banks.Useing of the relevant financial theory to study transition state-owned commercial banks grassroots business model proposed commercial bank in the transition process should be based on grassroots operators as the breakthrough point,reasonable personnel system and salary system design,grasp the correct direction of the transformation,innovation financial products,optimize the transformation of the organizational structure of the content.Finally,an example of Bank of China P Branch opened empirical research.The sections of the study:Chapter One.Describes the state-owned commercial banks operating agency grassroots transformation background and purpose,and introduced in this paper are applied to some of the research methods,describes the main contents of this paper.Grassroots operators restructuring state-owned commercial banks is imperative,both state-controlled commercial banks need to survive and develop,is the external market forces forced the state-owned commercial banks grassroots operators must make the transformation to adapt to market competition and meet customer needs,grassroots operators is the cornerstone of commercial banks,if not successful transition grassroots operators,commercial banks will lose the basis for survival and development.Chapter Two.Through the relevant theoretical literature research and collation,which summarized the theoretical foundation of this study to the banking crisis theory,industrial organization theory,risk management theory,Maslow's hierarchy of needs based on these theories,summarizing current research based on the use of economic and financial theory to the business model of commercial banks to study,and then validated instance,theoretical research and recommendations drawn commercial banks grassroots business model transformation.Chapter Three transition necessity and environmental analysis.Necessity brief commercial bank restructuring and grassroots operators facing internal and external environmental analysis,commercial bank restructuring is an inevitable result of the dual role of internal and external reasons,SWOT analysis method derived by state-owned commercial banks grassroots operators faced in the transition process internal and external problems and resources available.Chapter Four restructuring practice.Introduces the main contents of the transition state-owned commercial banks.On the direction of the transition process and the transition to discuss the main content,the commercial banks should grasp the correct direction of the transformation,and through the establishment of a sound employee-related system,optimize the organization,innovative financial products,etc.These measures to actively promote its smooth transition.Chapter Five transformation attention to the problem.A brief analysis of the commercial banks grassroots operators appearing in the transition process to solve problems and corresponding measures for the transition process should pay attention to the issue through management innovation,step up publicity efforts to strengthen internal control and supporting the establishment of Human Resource Management system,broaden the market dimension,improve working conditions and other supporting measures to promote the transformation of the commercial banks.Chapter Six Case Study:P Branch of Bank of China for example.By exploring the theory of the previous chapters and countermeasures to the specific branch of the Bank of China P instantiate analysis,analysis of P branch in the face of fierce market competition,the success achieved in the transition process,the grassroots of China's commercial banks operating agency proposed restructuring itself useful attempt..Chapter Seven of the conclusions.In this study,the development of state-owned commercial banks grassroots operators provide important ideas and space,but also has important theoretical significance and practical reference for state-owned commercial banks to enhance the competitiveness and combat effectiveness..