供应链金融下我国商业银行组织结构研究

发布时间：2018-09-03 13:49

【摘要】：近年来,随着我国金融业对外开放的程度不断加深,国内商业银行不仅要面对同行业的竞争,而且还要与国外的大银行抢夺客户资源。面对双重压力,国内商业银行不得不重新思考如何提升自己的核心竞争力、经营效率和管理水平,才能在未来的竞争中获得一线生机。因此,产品创新、服务创新是我国商业银行重点关注的对象,供应链金融正是在这种背景下由深圳发展银行率先提出的。供应链金融是指商业银行为供应链的上下游企业及其核心企业提供融资服务,从而实现银企供应链在物流和资金流上的有效联接。本文基于供应链金融的背景研究商业银行组织结构。目前,国内各大商业银行都已经开展了供应链金融这项业务,然而,由于供应链金融专业性比较高,业务跨度较大,我国商业银行传统的组织结构难以适应供应链金融业务的快速发展。因此,需要对国内商业银行的组织结构进行改进,构建比较适合供应链金融业务发展的组织结构模式。首先以供应链金融理论为出发点,重点分析了供应链金融的相关概念、模式及特点,特别指出了供应链金融与物流金融的区别,并提出发展供应链金融的必要性。同时整理组织结构及商业银行组织结构的相关概念,结合商业银行组织结构的影响因素,提出改进我国商业银行组织结构的5大原则。通过分析西方商业银行典型的组织结构模式,总结目前西方商业银行对于组织结构的设计重点考虑了以下3个方面：以客户为出发点、以业务拓展为导向、以信息化技术为支撑平台。转而分析国内商业银行传统模式下的组织结构及目前存在的不足,进而提出商业银行组织结构改进的必要性,以及供应链金融背景下商业银行组织结构改进思路。研究发现基于应用领域改进的事业部是比较适合供应链金融业务发展的组织结构模式,这种模式是对事业部模式的改进,即商业银行针对业务特点对组织结构进行相应的整合重组。同时,为探讨新的组织结构是否适合供应链金融,对改进后的模式进行综合评价,并基于模糊综合评价法和层次分析法进行实证分析。最后,总结全文,并提出了下一步重点研究的方向,也希望通过本文的分析、论证为国内商业银行组织结构的进一步改进提供一定的借鉴。
[Abstract]:In recent years, with the deepening of China's financial industry opening to the outside world, domestic commercial banks not only face the competition of the same industry, but also grab customer resources with foreign large banks. Facing the double pressure, domestic commercial banks have to reconsider how to improve their core competitiveness, management efficiency and management level, in order to get a chance to survive in the future competition. Therefore, product innovation and service innovation are the focus of our commercial banks. Supply chain finance is first put forward by Shenzhen Development Bank under this background. Supply chain finance means that commercial banks provide financing services for upstream and downstream enterprises and their core enterprises, so as to realize the effective connection between the supply chain of banks and enterprises in logistics and capital flow. This paper studies the organizational structure of commercial banks based on the background of supply chain finance. At present, all the major commercial banks in China have developed the supply chain finance business. However, because of the high specialization of supply chain finance, the business span is large. The traditional organizational structure of commercial banks in China is difficult to adapt to the rapid development of supply chain financial services. Therefore, it is necessary to improve the organizational structure of domestic commercial banks and construct a more suitable organizational structure model for the development of supply chain financial business. Firstly, based on the theory of supply chain finance, this paper analyzes the related concepts, models and characteristics of supply chain finance, especially points out the difference between supply chain finance and logistics finance, and puts forward the necessity of developing supply chain finance. At the same time, the related concepts of the organizational structure of commercial banks and the related concepts of the organizational structure of commercial banks are sorted out. Combined with the factors affecting the organizational structure of commercial banks, five principles for improving the organizational structure of commercial banks in China are put forward. By analyzing the typical organizational structure model of the western commercial banks, this paper summarizes the following three aspects in the design of the organization structure of the western commercial banks: take the customer as the starting point, and take the business expansion as the direction. Take the information technology as the support platform. Then the paper analyzes the organizational structure of domestic commercial banks under the traditional mode and their shortcomings at present, and then puts forward the necessity of the improvement of the organizational structure of commercial banks, as well as the thinking of improving the organizational structure of commercial banks under the background of supply chain finance. The research found that the business department based on the application field improvement is a more suitable organizational structure model for the development of supply chain financial business, this model is an improvement to the business department model. That is to say, commercial banks carry on the corresponding integration and reorganization to the organization structure according to the business characteristic. At the same time, in order to explore whether the new organizational structure is suitable for supply chain finance, the improved model is evaluated synthetically, and an empirical analysis based on fuzzy comprehensive evaluation method and analytic hierarchy process is carried out. Finally, it summarizes the full text, and puts forward the next key research direction, also hopes to provide some reference for the further improvement of the organizational structure of domestic commercial banks through the analysis of this paper.
【学位授予单位】：福州大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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