扁平化管理与商业银行网点转型——以北京农商行为例-工商管理专业论文.docxVIP

I I 摘 要 我国加入 WTO 后，外资银行逐步进驻我国市场，国内商业银行不论在管理 水平还是在业务运营模式上都较国外银行存在着较大差距。另一方面，随着金融 改革进一步深化，利率市场化以及融脱媒的不断推进，从多个角度压缩着商业银 行的盈利空间。在新的形势下，学习国外先进银行的成功经验，采取扁平化改革 和网点转型创新，不断提升核心竞争力，已成为在市场竞争格局中争取主动的重 要手段。扁平化管理就是通过压缩管理层次，减少内部管理层来提高办事效率。 网点转型就是在进行扁平化管理后对银行基层网点进行相应的流程再造，指网点 的业务功能由支付结算型向营销服务型的转变。 本文以北京农商银行为研究对象。在对扁平化相关理论研究的基础上，通 过对北京农商银行的内外部环境分析，阐述了改革的必要性。通过对扁平化及网 点转型中遇到的问题分析，据此提出改进建议，并期望对其他商业银行的发展提 供一些指导。 关键词：北京农商银行,扁平化,网点转型 II II Abstract Since China’s accession to the WTO, an increasing numbers of foreign banks have been gradually entering the domestic market. The author notices that there a huge gap between Chinese banks and foreign banks in both management level and business mode. Furthermore, with the deepening of financial revolution which marked by the marketization of interest rates and financial disintermediation, the Chinese banks earning even start shrinking. In order to stay competitive in the chancing financial market, the author insists that the domestic banks must learn from the advanced foreign banks’ successful experiences which including the adopting of flat management method and the transforming of traditional bank branches. Flat management is defined as a method that could enhance efficiency through reducing management layers. While transforming of traditional bank branches refers to restructuring the banks branch’s operation flow for the purpose of becoming a service-oriented bank instead of a payment and settlement-oriented bank. Taking the Beijing Rural Commercial Bank (BJRCB) as a case, this paper analyzes the internal and external environment of BJRCB and illustrates the importance of revolution based on some studies of flat management theories. This paper also studies some problems that occur in the process of flat management and bank branch’ s transformation and gives some suggestions to the domestic banks in order to solving these problems. Keywords: BJRCB, flat management, bank branch’s transformation III III 目录 第 1 章 引言 1 1.1 选题的背景 1 1.2 选题的目的和意义 1