Study On The Business Process Reengineering Of Bank Counter For Agricultural Bank Jilin Branch

The bank counter is the open window to the customers which is the basicplatform to provide customers with a variety of financial products and services andalso is the basic and main channel to establish a brand image, improve thecompetitiveness. However, in recent years with the development of banks, thecompetitiveness is more and more intensive. Commercial banks actively think abouthow to improve counter’s value creation, lower counter’s cost. Currently, the banksface problems such as high risk and cost, low efficiency and value creation. They notonly face the risk of internal and external fraud but also face the problems ofcustomers loss and reputational risk. So How to effectively prevent and control theserisks, explore an effective solution to various problems, has become a seriousproblem in the domestic commercial banks.Counter business process reengineering and reconstruction is the most effectivemeans and measures to solve the problem. Using comparative analysis, case studiesand other methods, with the combination of theoretical research, practical researchand application, first, author analyzed the objective environment the bank counterfaced, the present situation and problems Agricultural Bank of Jilin Branch faced.And got a conclusion that sector banks are the crux of the problem，breaking sectorbanks is the only way to establish a effective counter. Second, on the basic ofResearching the goals, ideas and programs, the paper provided effective process–reengineering methods to solve the problem the bank facing, and promoted countertype from the high cost accounting type to the high-value creation. Third, studying the implementation of the over-the-counter business process reengineering project inJilin Province, analyzing the purpose and significance of the business processreengineering project, prospecting and exploring the effect of objectives andimplementation of the project implementation process. Take the new generation corebanking system construction and operational background center construction as anexample, it changed all-in-on process to the counter accepted and backgroundprocess, turned counter based accounting information support system to acustomer-centric, rapid innovation and improved internal management of themeasured core banking support system, and will achieve the goal that simplifies thecounter operation, controls the risk, improves the counter internal management andexternal service, enhances the counter competitive advantage. Finally, the paperdeeply analyzed and researched the safeguard methods of the Jilin Agricultural Bankcounter business process reengineering.Agricultural Bank of Jilin Province Business Process Reengineering (BPR) hasimportant practical significance in the operation reform and branch transformation,and also has a strong reference to other domestic commercial banks. The study of theAgricultural Bank of Jilin Province incase process reengineering is a radical,disruptive innovation and transformation, which can effectively solve the problemsthe Agricultural Bank of Jilin Province and other domestic commercial bankscounter faced, and can promote the safety of over-the-counter operations, efficient,improve the counter value creativity.