本文选题立足当下各个地方性商业银行发展的实际需求，以厦门银行条线化改革
为实例，从商业银行组织结构基本理论出发，阐述商业银行组织结构理论发展沿革，
分析研究国外商业银行组织结构发展情况，探索国外商业银行内部管理结构改革过
程，分析其成功经验和理论，从组织架构设置和组织结构变革必备要素等方面总结了
国外商业银行组织结构改革的经验与启示。然后进行通过分析、比较国内与国外银行
管理体制历史及现状，研究我国国内以及国外商业银行条线化改革(即事业部制改革)
前的弊端， 论证了我国商业银行条线化改革的必要性和可行性，对厦门银行条线化
改革发展走向进行了思考与设计，并对其他城市商业银行的条线化改革提出了建议。
关键词：厦门银行 组织结构 条线化改革Abstract
The banking industry in China is flourishing at present. In addition to several largest
national commercial banks, the foreign banks continue to grow and develop to seize the
market. Some local commercial banks are also springing up. This not only a great
prosperity of Chinese financial market, but also greatly enriched the daily economic life
of the Chinese people. However, under the trend of homogenization of banking services
and products, which would be relatively, increased competition between commercial
banks. In this context, the integration and utilization of the internal resources of the
commercial banks and the efficiency of the internal management is the key to
competitiveness.
This article bases on the actual needs of the current development of local
commercial banks, from the perspective of Xiamen Bank and the basic theory of the
organizational structure of commercial banks, expounds the theory of the organizational
structure of commercial banks, and analysis from the organizational structure of the
development of the foreign commercial banks , explores foreign commercial banks in the
process of reform of the internal management structure from the organizational structure
and organizational structure changes elements and sums up from the experience with
the revelation of the organizational structure reform of the foreign commercial banks.
From analysis and comparing the local and foreign banks history and current situation of
the bank management system, provide the necessity and feasibility of the reform of the
local commercial banks. And make a prospect of the achievement of the reform of the
Chinese commercial bank.
Key words : Xiamen Bank Co., Ltd. Organizational structure
The reform of the internal management structure
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