MBA教育中心知识库

摘 要

随着互联网技术的发展和大数据、人工智能等技术的广泛运用，金融科技也随之迅猛发展。近年来各大金融机构为适应技术进步带来的行业冲击，都或多或少的在原有的经营基础上进行了变革与升级。我国金融科技的快速发展，对各类商业银行的改革提供了技术基础。在此背景下各大银行应紧抓金融科技的发展契机，结合大数据技术、云计算、人工智能技术、区块链技术等科技手段，拓展原有的客户群体，降低资金筹集成本，有效的提高银行经营效率和经营绩效，增强核心竞争力，促进银行从经营模式的转型升级，适应科技技术发展带来的环境变化挑战。

本文通过阅读研究国内国外相关文献，发现银行组织结构体系对银行经营业务发展影响意义颇深，企业经营业绩提升及转型升级离不开组织结构的优化。目前的研究成果主要侧重于传统的组织机构优化方式对企业的影响，而对基于金融科技背景下银行的组织结构优化调整研究尚有不足。本文以兰州银行为例，对中小型商业银行在金融科技背景下自身转型升级的组织结构优化调整进行了研究。兰州银行在金融科技发展背景下需要促进自身业务系统变革与发展，同时也需匹配组织结构的优化，并促进组织结构与金融科技的协调与适应。本文研究发现在金融科技发展背景下，兰州银行内部组织结构优化未能同步跟进，导致组织机构对业务发展的正向支持不强。此外，还存在金融科技与业务条线协同效率不高，金融科技专业人员分布不均等问题。针对研究发现的问题，本文提出了兰州银行组织结构在金融科技发展中优化调整的具体措施，包括战略组织建立，重新协调组织结构，促进金融科技与业务深度融合和人才科技引入战略等。

本文的研究成果为中小商业银行在金融科技发展环境中对银行自身的组织结构调整策略有一定的借鉴意义，同时针对企业在金融科技背景下组织结构调整的研究不足进行了一定的补充，对中小商业银行协调金融科技与传统组织结构融合发展有一定启发意义。

Abstract

With the development of Internet technology and the wide application of big data, artificial intelligence and other technologies, financial technology also develops rapidly. In recent years, in order to adapt to the impact of technological progress, the major financial institutions have more or less changed and upgraded on the basis of the original operation. The rapid development of China's financial technology has provided a technical basis for the reform of all kinds of commercial banks. In this context, the major banks should seize the development opportunity of financial technology, combined with big data technology, cloud computing, artificial intelligence technology, blockchain technology and other scientific and technological means, expand the original customer base, reduce the cost of fund-raising, effectively improve the bank's operating efficiency and performance, enhance the core competitiveness, promote the transformation and upgrading of the bank's business model, and adapt to science and technology The challenge of environmental change brought by the development of technology.

Through reading and studying the relevant literature at home and abroad, this paper finds that the bank organizational structure system has a profound impact on the development of bank business, and the improvement of enterprise performance and transformation and upgrading cannot do without the optimization of organizational structure. The current research results mainly focus on the impact of the traditional organizational structure optimization methods on enterprises, but there are still some deficiencies in the research on the optimization and adjustment of bank organizational structure under the background of financial technology. Taking Lanzhou bank as an example, this paper studies the optimization and adjustment of organizational structure of small and medium-sized commercial banks in the context of financial technology. Under the background of the development of financial technology, Lanzhou bank needs to promote the reform and development of its own business system, optimize the organizational structure, and promote the coordination and adaptation of organizational structure and financial technology. This study found that in the context of financial technology development, the optimization of internal organizational structure of Lanzhou bank failed to follow up, leading to the organization's positive support for business development is not strong. In addition, there are also problems such as low efficiency of collaboration between financial technology and business lines, uneven distribution of financial technology professionals. In view of the problems found in the study, this paper puts forward specific measures to optimize and adjust the organizational structure of Lanzhou bank in the development of financial science and technology, including the establishment of strategic organization, the re coordination of organizational structure, the promotion of the deep integration of financial science and technology and business, and the introduction of talent science and technology strategy.

The research results of this paper have a certain reference significance for small and medium-sized commercial banks in the financial technology development environment for their own organizational structure adjustment strategy. At the same time, this paper carries out some supplementary research for the lack of research on the organizational structure adjustment of enterprises in the context of financial technology, which has a certain enlightening significance for small and medium-sized commercial banks to coordinate the development of financial technology and traditional organizational structure.