互联网金融不断创新，民营银行牌照逐步放开，监管要求日趋严苛，都对传
统银行业的发展形成了剧烈冲击，传统银行的改革转型势在必行，改革压力
较大

农村商业银行作为支持三农发展的主要金融机构，是坚定不移地推进农
村金融机构改革，加快现代农村金融企业制度构建步伐，完善农村金融服务
体系，提升农村金融服务水平的重要力量。本文基于农村商业银行对国民经
济发展的重要意义，对其改革转型展开讨论研究

银行的财务部门作为银行经营管理的核心部门，是银行业务发展的重要
支撑。基于组织架构改进优化对银行经营管理战略目标实现的重要意义，同
时也考虑到财务条线工作对推动战略目标实现的重要作用，本文着眼于农村
商业银行财务条线组织架构的研究分析。旨在通过对农村商业银行转型时期
财务条线组织架构模式的优化，拓展银行整体的组织架构优化思路，确保改
革转型重要时期战略目标的实现

那么转型时期的农村商业银行在进行财务条线组织架构优化时有何特点，
又是否与其他的国有商业银行，或股份制商业银行存在差异性呢，是否可以
借鉴同业经验进行改革呢？
本文将理论研究与案例分析相结合，围绕 CD 农村商业银行在转型过程中
财务条线的组织架构优化展开讨论。首先在查阅大量资料和数据的基础上，
对我国的经济发展趋势及银行业改革现状进行了总结与分析，并得出现阶段
银行业迫切需要进行改革与创新的结论。其次通过查阅大量文献，对银行进
行改革创新的研究成果和企业组织架构的研究现状进行了回顾，关注到组织
架构改革对转型时期的企业发展有着极其重要的意义。再次，以 CD 农村商业
银行财务条线在转型过程中特色的垂直化管理模式作为切入点进行深入的分CD 农商银行财务条线垂直管理模式优化研究析，关注其改革时期的银行发展特点和财务条线组织架构特色，总结了 CD 农
村商业银行财务条线垂直化管理的利与弊。同时，对比分析了其他诸如国有
商业银行、城市商业银行的发展现状及财务条线的组织架构特点及借鉴意义

最后，针对 CD 农商银行财务条线垂直管理模式，从组织内部流程和人力资源
管理两个大的层面提出了优化方案，从方案实施的内外部环境和预期达到的
效果对优化方案进行了评估，并思考了优化方案在其他业务条线及其他商业
银行推广的可能性

本文力求系统分析农村商业银行在转型过程中财务条线垂直管理模式的
利弊，但是由于本人能力和时间的限制，文中还有较多的不足之处需要进行
改进。同时，由于本文是基于单一的案例展开的研究讨论，案例具有一定的
特殊性和局限性，因而，未来的研究将基于更多的样本和更广泛模型对比来
展开，以增强文章的说服力

关键词：农村商业银行 转型改革 组织架构 垂直化管理AbstractAbstract
In the current economic development of China&39;s new normal, the enterprise
development is facing new opportunities and challenges. the innovation of Internet
banking，the gradual liberalization of private banking license, and the increasingly
strict of regulatory requirements, that has developed a dramatic impact on the
development of the traditional banking industry. The reform of traditional banks is
imperative and the reform pressure is bigger.
Rural commercial banks as the main financial institutions to support the
development of agriculture which are the important forces to unswervingly
promote the reform of rural financial institutions, speed up the pace of building a
modern rural financial enterprise system, improve the rural financial service
system, and enhance the level of rural financial services an important force. Based
on the importance of rural commercial banks to the development of national
economy, this paper discusses the reform and transformation of rural commercial
banks.
As the core sector of banking management, bank&39;s finance department is an
important support for the development of banking business. Based on the
importance of organizational structure improvement and optimization to the
realization of strategic objectives of bank management, and also take into account
the important role of financial line work in promoting strategic objectives, this
paper focuses on the research and analysis of the financial line structure of rural
commercial banks. The aim of this paper is to optimize the organizational structure
of the banks by optimizing the organizational structure of the financial line during
the transition period of the rural commercial banks, and to ensure the realization of
the strategic objectives of the reform period.
So what are the characteristics of optimizing the structure of the financial line
of the rural commercial banks in the transition period and whether they are
different from other state-owned commercial banks or joint-stock commercial
banksCan they learn from the experience of the same industry to reform
In this paper, combining the theoretical research and case analysis, discusses
the optimization of the organizational structure of CD rural commercial bank in the
process of transformation. First of all, on the basis of consulting a large amount ofResearch on Optimization of the CD Rural Commercial Bank&39;s financial vertical management modedata, this paper summarizes and analyzes the current situation of China&39;s economic
development and the reform of banking industry, and concludes that the banking
sector is in urgent need of reform and innovation. Secondly, based on a large
number of literatures, this paper reviews the research results of bank reform and
innovation and the research status of enterprise organizational structure, and points
out that organizational structure reform is of great significance to the development
of enterprises in the transition period. Thirdly, the paper analyzes the
characteristics of the bank development and the characteristics of the financial line
in the reform period, and summarizes the characteristics of the CD Rural
Commercial Banks, and analyzes the characteristics of the financial development
of the rural commercial banks in the transition process. At the same time, the paper
analyzes the present situation of other commercial banks such as state-owned
commercial banks and urban commercial banks and the organizational structure
and the significance of the financial lines. Finally, according to the vertical
management mode of CD bank&39;s financial line, the optimization scheme is put
forward from the two aspects of organization internal process and human resource
management. The optimization scheme is evaluated from the internal and external
environment and the expected effect of the program implementation And the
possibility of optimizing the promotion of programs between other business lines
and other commercial banks.
This dissertation aims to systematically analyze the advantages and
disadvantages of the vertical management structure of Rural Commercial Bank in
the transition period. However, due to the ability and time constraints of the author,
there are still many inadequacies in the text that need to be improved. At the same
time, the dissertation has a certain degree of particularity as it is based on the
discussion of case studies. Therefore, future researches will use more samples and
more contrast that is based on extensive models to enhance the persuasiveness of
the article.
Keywords: Rural Commercial Bank; Transformation Reform; Organizational
Structure; Vertical Management目录目 录
1 绪论 . 1
1.1 前言......... 1
1.1.1 当前中国经济发展大趋势 . 1
1.1.2 银行业发展现状..... 1
1.1.3 银行业改革现状..... 3
1.2 研究目的及意义4
1.2.1 研究目的 ..... 4
1.2.2 研究意义 ..... 5
1.3 研究思路与方法6
1.3.1 研究思路 ..... 6
1.3.2 研究方法 ..... 7
2 农村商业银行组织架构优化理论基础 ......... 8
2.1 组织架构理论概述......
。。。以上简介无排版格式，详细内容请下载查看