The Empirical Study Of The State-owned Commercial Bank Management Transformation

Under the new situation of changes of the internal and external environment and the business situation and the customer needs, our state-owned commercial banks have entered to the key period of the construction of modern commercial banks at a high speed. So it is urgent for them to resign their business model and growth pattern, in order to adapt to the external economic and financial environment changes and the further development of their own needs, to maintain their sustained and steady development.Our state-owned commercial banks should organize and adjust their structures to speed up the process of internationalization and promote the business and profitability of a plurality channels, to implement the transformation from the native, single financing intermediary to internationalization, all-around national wealth management banking finally, based on the domestic and international economic and financial situation, combined with their own development pattern and a clear difference of market and customer orientation.This paper firstly analyzes the background of business transformation and summarizes the connotation and characteristics of the state-owned commercial bank, on the basis of which this paper demonstrates the necessity and importance of business transformation, and put forward the target and direction of business transformation, and analyze the effect of the state-owned bank transformation under the background of economic and financial environment in jining city of Shandong province. At last, this paper put forward management transformation path selection of our state-owned commercial bank concerning the experience and lesson in the process of transition of the foreign commercial banks.