The Positive Research On Rebuilding Of Commercial Banks Business Flow

With financial liberalization, financial globalization, financial electron and much fiercer competition of financial circles day by day, then on the basis of basic thought which enterprise give a new lease of life to, the bank circle of U. S. A. proposed a new mode of bank management that is rebuilding of bank business flow in the 1990s. It requires the bank to give up dividing the work of function type, redesign the management mode and business procedure of the bank in virtue of the modern information technology. Finally gains one's ends of implementing scientific reducing weight " for the bank and obtaining the sustainable competitive advantage.Paul. H. Allen who is an America expert of bank rebuilding has accounted that there are 13 large bank implementing plan of bank rebuilding on average every year from 1980 to 1994 (though proposed the concept of bank rebuilding yet at that time), the assets earning ratio of the bank rebuilt has risen from 1% to 1. 5%, the earning ratio of the capital has risen from 14% to 20%, and the cost compared with income on average has dropt from 63% to 50%~55%. The fact proves that more than 70% of the unnecessary work of traditional business flow can be subtracted by bank rebuilding. Doing so not only can merely save the cost greatly, but also can make more than 80% of the everyday control workflow. And can make the bank s organizational system more flexible and meet the service demand that the customer is improving constantly. In the face of the external environment condition with increasingly fierce competition, the commercial bank of our country realizes scientific rebuilding on the basis of accelerating combining and innovative business flow, obtains remarkable improvementon such several indexes as the speed, quality, cost, service, etc. and improve the core competitiveness. How to realize the rebuilding of bank business flow becomes the realistic significance subject of the theory circle and the bank circle.At the present time, the domestic research on rebuilding of commercial banks business flow, which the great majority is concentrated on theory level and positive research is very little, is difficult to propose more valuable conclusions for the practice of the rebuilding of commercial banks business flow in our country. Just basing on above-mentioned reasons, this text wants to combine the theory with the practice of banking rebuilding tightly and emphasis particularly on the positive research by using the method of combining positive research with theory research, in the hope of giving some valuable advice for the practice of the rebuilding of commercial banks business flow in our country.Research of this text mainly concentrates on the core kernel of rebuilding of bank business flow—rebuilding and improvement of competition, choosing the mode of rebuilding, rebuilding scheme.Firstly, according to relevant theory on banking rebuilding, from twoangles----the relation of rebuilding business flow with competitivenessof commercial bank and analyzing environmental pressure of improvement of commercial bank s competitiveness in our country , meanwhile choosing " Bank of Montreal " and domestic urban commercial bank as the real example to implement business effect research, this part thinks that only rebuilding business procedure could promote the competitiveness of the bank effectively , realize sustainable development , become * longevity enterprises.Secondly, most scholars are inclined to the " progressive mode " about the research of the mode selection of rebuilding commercial banking business flow and have proposed some theoretical foundations. By makingthe positive research from two brand-new angles of the influence of the progressive mode of system reform and the particularity of human resource in our country, this part compares " progressive mode" with " Jacobinical mode". And proves that the best mode of banking rebuilding in our country is progressive mode "again.Finally, in order to study rebuilding scheme of commercial bank business in our country, at first, this part puts up a universal analysisfrom four angles ----rebuilding of the pricing system of the bank,rebuilding of bank credit procedure , rebuilding of personal banking procedure , rebuilding of direct banking. Then basing on this research, by choosing China Merchants Bank as the example, which rebuilding of business flow is more successful and analyzing its individual banking and direct banking, this part puts up frondose scheme about how commercial bank in our country make the designing scheme about individual banking and direct banking.