The Reasearch Of The Reengineering Business Strategy Of The State-owned Commercial Bank

China implement the promise to open banking completely, the new《foreign capital bank management regulation》will become effective from December 11,2006.According to the relevant provision, the foreign capital bank can conduct completely after changing the system the local and independent legal person bank of RMB and the foreign currency business.On March 20,2007, the China Banking Regulatory Commission declares, granting to remit plentiful, the residue beat, four foreign capital banks- HSBC, Standard Chartered, The Bank of East Asia , Citibank start practice in the local independent legal person organization, the four foreign capital legal person banks will do business formally and outward after completing industry and business register to wait a legal procedure, with in property bank share" national treatment", the financial industry will face the impact of foreign capital bank's all-directions in realms, such as market, customer and talented person...directly. Commercial bank should change management idea and adhibit the reengineering of bank should establish the pattern Focusing on the central of correspondent and constitute the bank which have strong competitive power , creative ability and ability to guard against financial risks.Reengineering of the bank start appearing in financial cultural heritage in 90's in 20 centuries. which means the scop of bank business is to be redesigned relying on the IT and the professional organization for reducing their operation costs. Reengineering of the bank originated from the book Reengineering the corporation-a Manifesto for Business Revolution (Professor Michael Hammer Collaborate on with Professor James Champy , MIT , 1993).Reengineering of the bank is a series of reforms in the essential points , the business process, organization structure , customer satisfaction and obtaining higher efficiency. This text emphasized to analyze the stateowned present condition of the commercial bank management, and Elaborated the urgency and the necessity of the stateowned process reengineering of the commercial bank business. The article grace takes theories to combine an actual method, aiming at the existent problem in the four stateowned bank reforms, putting forward taking customer as center, adjust organization structure, depend on the creative bank of the information technique to give a new life engineering to conceive for Setting up the difference turns service process, the business that is efficiently manages system to promote development and innovation of bank business, creating the best luck camp an efficiency thus, strengthening the market competition ability of bank and keeping on a development ability.