创新与国有商业银行组织结构演进

业务创新对于商业银行来说，不但是竞争的需要，更是切实适应经济发展要求的需要。但是，商业银行业务创新为国家信用体系和商业银行本身组织结构存在的缺陷所制约，同时还需面对行业竞争和客户需求的压力。基于此，商业银行应以客户为中心，对组织结构体系进行整合，建立市场反应灵敏、客户定位清晰、前后台协调、上下高效联动、能有效防范风险的组织结构体系。

Innovation and gradual progress of institutional framework for state-run commercial financing bank

To the commercial bank,the business innovation is not only a need of competition,but also the needs to fit in with demand for economic development even more.But the business innovation of commercial bank is restricted by the defect existing in its institutional framework of national credit system and commercial bank.At the sametime,it also needs to face the pressure from the trade competition and the customer's demand.Because of this,the commercial bank should regard customer as the centre,combine the institutional framework,set up the institutional framework system which can react to the market sensitively,make customer a clear reservation,coordinate on all sides,work high-efficiently from the higher to the subordinate and take precautions against the risk effectively.