Discussion Of Commercial Bank Counter Service With Foreground And Background Separation

Since the end of2006, China’s banking industry comprehensively open to the world, and the domestic commercial banks actively introduce foreign institutional investors and strategic partners. The influx of foreign banks and the introduction of partners make domestic banks facing more challenges and competition day by day. In order to improve the core competence, reengineering the business process to create process bank become the first choice for the banks to deal with the challenge. From the current domestic commercial banks’situation, business outlets of the bank and customer service is still the main channel. Therefore, in recent years, lots of domestic commercial banks takes the "customer-centric " business philosophy, learning from foreign advanced banking practices, combined with their own situation, and take counter business process reengineering as the breakthrough point, actively carry out counter business of foreground and background separation and background centralized reform and attempt, obtained relatively apparent effect. But from the current actual separation and concentration of each commercial bank’s business scope and specific implementation effect, it still exist many limitations.The paper first analyzes the current domestic commercial bank counter service present situation and the characteristic, pointing out the commercial bank reform and the main problems existing in present stage. From the limitations, it introduces the necessities for commercial banks to further deepen the counter business of foreground and background separation and background centralized reform. Secondly, from the four aspects, including the project location, project objectives, design principles, implementation way of deepen counter business of foreground and background separation and background concentrations, it proposed the commercial bank counter service of foreground and background separation and deepen the reform of the basic idea of background concentration. Moreover, from the five aspects of main task, basic idea, the main business processes, mechanisms and rules, stage effect, it introduced in detail how the Construction Bank deepen the counter business of foreground and background separation and background centralized project practice. Finally, it provides a brief analysis of the domestic commercial banks to deepen counter business foreground and background separation and background focus concerns, and puts forward the related proposal.It is very complicated to deepen the counter business of foreground and background separation and background centralized project, and it is also a systematic project for the commercial bank business process reengineering and construction of process bank. The Construction Bank is in good order and well arranged forward counter business of foreground and background separation and background centralized project. As one of the first nationwide in all outlets to promote the implementation of counter service before and after separation and the background concentration of one of the four state-owned commercial bank, the project design way of thinking, design method, implementation plan, actual effect of promotion will bring a very useful reference for other business banks.