试论国有商业银行外部组织结构重组

Tentatively on Regrouping the External Organization of State-owned Commercial Bank

现阶段我国国有商业银行面临严峻的经营形势 ,外部组织机构设置的不合理已成为阻碍国有商业银行发展的重要因素 ,直接导致了国有商业银行缺乏效率与规模经济、无法提供有效的激励、行政干预过多等问题。要不断完善与发展国有商业银行总分行制度 ,必须明确市场定位、对省级分行和地市级分行的管理关系进行重组、以业务流程为主进行结构调整、在组织管理中要实行职责与职权对应的原则。

At current stage, the state-owned commercial banks in our country are facing severe situations in their development and operations, such as less efficiency, small scale operation, lack of powerful inspiration, excessively administrative intervention, etc.--these problems result from the irrational establishment of external organization. To improve the center-branch system in state-owned commercial banks, the paper puts forwards several suggestions: clarifying market position, regrouping the management relations between provincial branches and prefecture-city-level branches, restructuring business process, and adopting the parity of authority and responsibility.