中小企业信贷业务模式与组织架构创新研究——从商业银行角度分析  

A Study of Small-and Medium-sized Enterprises Business Patterns and Organizational Structural Innovation—From the Perspectire of Commercial Bank

作　　者：谭中明[1] 成浩[1] 

机构地区：[1]江苏大学财经学院,江苏镇江212013

出　　处：《江苏大学学报（社会科学版）》2010年第5期79-83,共5页Journal of Jiangsu University(Social Science Edition)

基　　金：江苏省高校哲学社会科学基金项目(09SJB790009)

摘　　要：针对中小企业融资业务模式及其组织架构的特点,商业银行应推行扁平化、矩阵式的管理架构,同时可在目前商业银行普遍采用的总、分、支三级组织模式的基础上构建商业银行中小企业业务专营组织架构,并注重加快以信贷产品为中心的中小企业金融服务创新步伐。In line with commercial banks＇ SME financing patterns and their organizational structural characteristics,a flat,matrix management structure is put forward so that a special organizational structure of commercial banks＇ SME business is constructed on the base of their present three-layer structure.At the same time,innovation of SME financial services centered on credit products should be sped up.

关 键 词：银行再造理论 中小企业 业务模式 组织架构 产品创新 

分 类 号：F830.3[经济管理—金融学] F830.5