The Study Of The State-owned Commercial Bank Refom In Decentralization

Along with the financial competition, the new pattern of bank management, Decentralization reformation arises at the historic moment. Decentralization management relatives the pyramid management, its foundation is the modern information technology. According to the redividing principle and the span theory, it extends management scope, reduces the management level, enhances the management efficiency, changes pyramid pattern of the old enterprise organizational structure to by Decentralization pattern. Decentralization management is the effective method of the state-owned commercial batiks to promote the management level .It reduces the management costs, enhances the management benefit, adapts the market development, has become the inevitable trend of the reformation development in the state-owned commercial banks.This thesis expounds forming mechanism of the liquidity risk in commercial bank, points out that contra-diction benefit and risk is deep reason of the liquidity risk existence in commercial bank, analyzes on problems existing in the liquidity risk. Management of our state-owned commercial bank by using theory of bank assets-debts management, and put forward the solving ways.First, introduces some successful methods of Decentralization of foreign banks, elaborates the basic mentality of Decentralization and the overhead construction system of the two-level branches our country commercial banks, analyzes the mentality of Decentralization from the marketing structure ,the direction structure ,the service support ,the internal control ,etc .Then ,Uses the method of cybernetics system to analyze the key of Decentralization, the risk which Decentralization possibly. Finally, we can see our State-owned commercial bank decentralization reform is right and to take about think to promote the collection measure.