【作者】 李丽香；

【导师】 张文棋；

【作者基本信息】 福建农林大学 ， 农业经济管理， 2003， 硕士

【摘要】 随着经济全球化和金融一体化的趋势日益加强，银行业竞争体系逐步形成。外资银行凭借其先进的电子技术、科学的管理经验和优秀的人力资源，竞先占领中国金融市场。我国银行业必须融入到国际金融市场，参与国际金融竞争。国有商业银行是现代金融企业组织，是金融市场主体。效率是商业银行竞争力的本质体现，是市场经济条件下金融企业组织的生存法则。 效率是有效的程度，是投入与产出的比率。国有商业银行组织效率是指国有商业银行在对人力、物力、财力、信息和其他实现目标所需资源的分配和协调中，能够最大限度地节约成本投入或实现收益最大化，从而使国有商业银行对其资源配置达到最优状态。组织效率是评估商业银行组织管理水平的标准之一。当前我国国有商业银行组织制度仍然沿袭国家专业银行的传统模式，难以适应新形势的要求。产权制度改革不到位、组织规模过大、机构布局不合理等因素，直接影响国有商业银行细织效率的发挥。 组织效率是国有商业银行竞争力的集中体现。建立符合现代商业银行经营管理规律、适合中国金融市场发展趋势的商业银行组织制度，可以借鉴西方成熟的商业银行组织制度。西方商业银行组织制度表现在外部组织结构设置是按经济区域设置分支机构，内部组织机构设置一般实行股份有限公司组织结构，同时内部结构按客户需要划分。 提高国有商业银行组织效率，应该对原有组织进行科学再造、合理设计。国有商业银行组织设计是一项长期复杂的系统工程。整个银行组织结构设计和组织机构设置都要以市场及其未来变化为导向，以客户及其需要与变化为中心，以有利于创造竞争优势为出发点，以前台机构的设立为起点带动后台机构设置，以能够通过各种营销手段提供超值服务，为顾客创造价值、保证顾客满意和快乐，创造更大的忠诚顾客群为目标。具体包括：职位、岗位及其相互关系的分析、说明与设计;管理幅度与管理层次的分析与设计;基本组织单位、部门的划分与结构设计;组织决策系统的设计，包括组织领导体制、权力结构、决策机制与管理体制的设计;组织管理执行系统的设计，包括管理指挥机构、运行操作机构(输入、转换、输出)、反馈机构、控制机构;银行组织与其他组织、社会环境等诸多方而的联系、关系的分析与设计;组织行为(伦理)规范的设计等方面。更多还原

【Abstract】 With the tendency of economic and financial globalization, the competitive system of banking industry has gradually come into being. Undoubtedly foreign banks will seize our financial market, taking their advantages of advanced electronic technology, scientific management experience and excellent talents. Therefore, our banking industry must join the international financial market and take part in the international finance competition. State-owned commercial banks are modern financial enterprise organizations and the main body of financial market. Efficiency is the essential embodiment of commercial banks competitive ability, and the survival principle of the financial enterprise organization under the condition of market economy. Efficiency is an effective level and the ratio of input to output. State-owned commercial banks efficiency is that when they distribute and coordinate the manpower, material resources, financial, information and other resources what they need, they can minimize cost and realize the optimal allocation of resources. The organization efficiency is one of the standards of evaluating commercial banks of organization management. However, Nowadays state-owned commercial banks institution still follow the traditional patterns of state-owned professional banking, so they cannot adapt to the new trend. Actually insufficient reform of property rights institution, excessive large of organization scale and unreasonable layout of organ directly influence the exertion of state-owned commercial banks efficiency.Organization efficiency is the centralized embodiment of state-owned commercial banks competitive ability. To build the commercial banks organization institution, according to the management rule of modern commercial bank organization, and suitable for the development of China financial market, we can usefor reference the foreign mature organization institution of commercial banks. Foreign commercial banks behave as follows: on one hand, the external organization structure has implemented the branch banking according to the economic area; on the other hand, the internal organization structure often puts into practice stock-holding system, meanwhile, the internal structure must meet the demand of customer.To improve the efficiency of state-owned commercial banks, the old organization should be built scientifically and designed properly. The design of state-owned commercial banks organization is a long-term and complicated system project. The whole design and construction of bank organization structure must be at the leading of the market; at the center of the demand of customer; at the start of creating competitive advantage ;on the basis of the downstage organ driving the setup of background; at the aim of providing overvalue services by marketing, creating value for customer to ensure the satisfactions and happiness of customer, for creating more loyal groups of customer. Thus many measures should be proposed, including concretely: analysis, design of situation, post and mutual relationship; analysis and design of management range; division and design of elemental organization department; design of organization decision system, including organization leadership system, power structure, decision mechanism and management system; design of organization management executive system, including management command organ, operation organ (import, transform, export) feedback organ, control organ; analysis and design of the relationship between banking and the others, social environment; design of organizational behavior(moral)norms and so on.更多还原