Research On The Construction To Bank Processing Of City Commercial Banks

The concept of process bank by China CBRC Chairman Mr. Liu Mingkang, held in Shanghai the first banking compliance years will be presented in the first, with increased market competition of China’s financial industry, financial innovation changing patterns, the major commercial banks began to gradually implement the process bank reform. In reference on the basis of foreign bank development process,the major commercial banks in China is creating for the new model of process bank for the development of China’s banking industry, for city commercial banks in our country the construction of process bank provides the development direction in the future. Process bank as a new model of bank management, adopt vertical standardization management and the flattening management, subversive transformation, the development of innovative, will the traditional banking model thoroughly disintegrated and re organization and optimization, thus formed to process as the core of the new banking model. The process bank has the characteristics of taking the customer as the center, the vertical operation of the business line, the background processing, the service differentiation, the process simplification and the operation intensive. At present, our country commercial bank organizational structure,business model still exist many drawbacks, basically established in "sector banks" based on, and not "process bank", resulting in artificially limiting bank development,the main problems in customer demand for service innovation, risk risk prevention innovation, business process innovation etc., rules and regulations can not be effectively implemented, the sector mutual shirk responsibility, difficult to investigate.Domestic banking competition intensifies, in recent years, the outstanding performance of homogeneous competition, business development characteristics is not obvious, business processes are not standardized, do not have competition ability and adapt to the bank’s own resources and characteristics, the reason behind is the traditional management mode. Process bank construction, give full play to the resource advantages of the banking industry, in the domestic banking market is completely open today is particularly critical, the banking industry to under the impact of foreign banks and Internet banking is still in the market occupies a dominant position, only the thorough process reengineering, overcome the drawbacks of "banking sector", and gradually establish a high efficiency of modern bank management system, enhance overall competitive ability.The course of the connotation and the development process of bank this paper first outlines the disadvantages of the banking sector, and different process bank, bank and Bank of department process were analyzed, and then summarize the practical experience and case analysis of construction process of Chinese and foreign banks,and with the help of the X efficiency theory and DEA model, analysis the efficiency problem of the construction of process bank the positive correlation between the construction process and put forward to improve bank efficiency, and finally to the Bank of Zhengzhou as an example to analyze the difficulties and feasibility and the overall path construction process of the bank, the Bank of Zhengzhou based on the existing structure is put forward on the construction of centralized operation platform proposal, finally puts forward the construction of process bank is the idea of cultivating the idea of establishing a full process banks and talents.