Based On The Supply Chain Finance China’s Financial Business Bank Organization Structure Research

As China’s financial industry opening with deeper, the domestic commercial bank should not only face the domestic industry competition, but also rob customer resources with the foreign big bank. In the face of such a dual pressure environment, domestic commercial Banks have to rethink how to improve their core competitiveness, the management efficiency and the management level, as to survival and develop in the future competition. Therefore, domestic commercial Banks focus on the product innovation and service innovation. Supply chain finance is first put forward by Shenzhen development bank in this context. Supply chain finance is a product that give the core of enterprise and the downstream enterprise financing and settlement service, realizing fund and logistics flow closely integrated of bank service and enterprise supply chain.This paper was based on the background of supply chain finance business as to research domestic commercial Banks organization structure. At present, each big commercial bank has carried out the business of supply chain finance, however, due to the financial professional supply chain is higher, the service span is bigger, the traditional organization structure of domestic commercial Banks is difficult to adapt to the rapid development of supply chain finance business. Therefore, domestic commercial bank needs to improve the organizational structure, choose suitable organization structure mode to adapt to the development of supply chain finance business.First, from supply chain finance related theory, analysis the necessity and important meaning of developing supply chain finance business, especially points out the difference between the financial supply chain and logistics financial, at the same time lead to commercial bank organizational structure and organizational structure related concepts, based on the influence factors of commercial bank organizational structure study, puts forward the principle about how to improve commercial bank organization structure. Then it researches the typical model of western commercial bank organization structure. Through the analysis it discoveries that the western commercial Banks mainly consider the following several aspects:take the customer as the center, business development as the focal point, with information technology as the support in designing organization structure process. At the same time it researches that there are some problems about the traditional organization structure of domestic commercial bank. Then it researches the necessary and idea of improving the domestic commercial bank organizational structure based on supply chain finance business, through the study it finds that improving in the application of the commercial bank business is the most suitable organization structure model for the development of supply chain finance business, this model is to improve the traditional business model, namely commercial Banks especially for corresponding improvement in the business characteristics of organization structure mode. At the same time it evaluates the improved organization structure model based on the fuzzy comprehensive evaluation method and analytic hierarchy process of the argument with an example. Finally, this paper puts forward the innovation points and the insufficiency in the conclusion of the whole article, also hope that this article provides certain reference significance for further research about optimization of commercial bank organizational structure.