互联网的出现和不断壮大发展深深地改变了人们的生活习惯和生活方式,也影响了人们对于商业银行业务的态度,对现行的商业银行管理体制造成了一定程度上的冲击.随着金融体制改革的不断加深,商业银行的机构扁平化改革也到了关键阶段,部分商业银行开始探寻扁平化改革之路,而面对机构改革中的突出问题,结合互联网金融大发展的时代背景,遵循效益性、安全性、适当性的原则,构建新型的总分行组织架构,同时注重信息沟通方式的创新,以客户为中心、完善管理职责以及处理好与政府之间的关系,对于进一步推动商业银行机构的扁平化改革,全面激发出商业银行经营活力有着十分重要的意义.%The emergence and development of the Internet has profoundly changed people's way of life and atti-tudes towards commercial banking,which has brought about huge impact on the traditional management system of commercial banks. With the deepening of the reform of China's financial system,the reform of the organization of commercial banks has also reached a critical stage,and some commercial banks have begun to explore the path of flat organization-oriented reform,also known as horizontal organization-oriented reform or delayering. In light of the prominent problems that arise in the process of financial institutional reforms,a new organizational model of parent-branch banking configuration should be established in accordance to the principle of efficiency,security and appro-priateness against the backdrop of burgeoning Internet finance. At the same time,it will be of great significance to innovate in the mode of information communication,set up customer-centric management responsibilities and prop-erly handle government-bank relationships. The advancement of the flat organization-oriented reform will be highly conducive to boosting the operational vitality of commercial banks.
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