Chinese State-owned Commercial Banks To Business Process Reengineering

The Bank' s Business Process Reengineering coming from Reengineering the Corporation, it is key substance of Bank Reengineering. The bank' s BPR means in order to content customer, reengineer bank' s old process from different bank' s function according to create more profit. The purpose BPR is to provide high value process for customer. Through using modern informational technology, bank can increase its competition. Analyzing the main reason of it emerging, we can say that financial freedom and pursuit of profit is main reason. But when it comes to directional power, it is modern information technology.In west commercial banks, through BPR movement, they reengineer their working process, and their profit increases greatly. Through studying their practice, we can conclude come principles. First, bank should work for customer. Second, bank should use modern informational technology in creational way. Third, bank should attach more importance on process than on function. Forth, in order to improve bank' s key competition, bank should adopt strategy league. These principles can lead BPR to success.After reform and open, our country devides four commercial banks of station from People bank. At first, these four banks named themselves special bank. Their work used to do according to what their leaders has planed, and their jobs used to be worked by hand. As economy development, our four commercial banks of station' s process improved gradually. More technology was used in process. But our process has many defects. We need reform our business process.BPR is an aspect of our bank' s reform. But compare to western commercial bank, our commercial bank has different institution background, and some defections don' t exist in western bank. Our reform must consider these and can' t use other' s experience completely. Property right reformation, control hazard reformation, perfect credit reformation andhigh quality worker' s training are all needed during this BPR reformation.According to our reality, our BPR should insist on working for customer principle. Every process should be redesigned according to customer' s want, and should provide the most convenient service. In order to enhance sensitivity on market and creative ability, at the end of bank' s process, our bank should have customer manager. If we adopt strategy league, we can not only improve our bank' s central competitive ability but also decrease our cost. When we work on BPR, if we could use modern informational technology, we will get key matter for our success. During BPR, the bank adopting surveyor' s pole technology, drawing in management accountant to process could improve worker' s initiative, help bank find more reengineering technology.