Research On Organizational Optimization Of SD Rural Commmingercial Bank

In the process of commercialization reform,state-owned commercial banks have largely withdrawn institutions in underdeveloped regions and rural areas,and rural commercial banks have become the main force in rural financial markets.With the development of rural economy,"agriculture,rural areas and farmers" put forward new and higher requirements for the financial services of rural commercial banks.At present,rural commercial banks are facing rapid changes and internal management of many external environments such as macroeconomic,market environment and competitive environment.The continuous integration of science and technology and personnel level is all the challenge for rural commercial banks.The rural commercial banks need to pay more attention to the changing pulse of internal and external environment,pay more attention to product innovation,and timely carry out the management of current commercial and commercial banks.Adapted organizational changes to achieve continuous improvement in the steady and orderly development of agricultural commercial banks due to the continuous innovation of product business.The topic of this paper,"Study on the Organizational Optimization of SD Rural Commercial Banks Based on Product Innovation" is the author’s need to contact the real and practical problems faced by SD Agricultural Commercial Bank in product innovation R&D management.The survey method and observation method are widely used.Research methods such as literature research method,qualitative analysis method,descriptive research method and experience summary,summed up the development history of SD agricultural commercial bank product innovation organization structure;it shows the current organizational structure and operation status of SDagricultural commercial bank innovation research and development;The current organizational structure of R&D organization of SD Rural Commercial Bank has outstanding problems in the current environment;it focuses on the use of organizational design theory,based on the current development strategy of SD Rural Commercial Bank,internal and external environmental changes,outstanding problems,etc.The motivations of the three organizational structure optimizations propose a matrix structure that matches the strategy,adapt to the environment and solve the problem,and a new organizational structure design scheme combined with the committee;finally try to specify a more detailed organizational structure optimization plan and Specific implementation plan.From the planning and design to the organization and implementation,the whole program can fully contact the actual situation of SD Rural Commercial Bank and the needs of innovative R&D tasks.It is the best choice for the optimization of the organizational structure of SD R&D Bank.The research results of this paper not only have certain guiding significance for the management and product innovation of SD Rural Commercial Bank,but also hope to provide some reference and reference for small and medium-sized banks and city commercial banks that have the need for organizational change.