The Research On The Improvement For Company’s Settlement System Of Postal Savings Bank

At present, the company business development directly aim at the size of eachbig commercial bank operation and management of the overall layout, therefore, howto quickly adjust the business structure, optimize the system function, improvecomprehensive quality of service is become the trend. With the diversification ofcustomer structure and requirements, as to the requirement of system function and theproduct type is highly considered, combined with the more severe challenges forcompany’s large settlement amount, high risk and system risk. In recent years, aseries of commercial banks systemic risk punctuate the post office bank has to paymore attention to research system optimization. there is still a certain gap with othercommercial Banks in the company’s business of postal savings bank of China sinceits begin in June2008, especially in product design, system operation. For system hasbeen unable to meet the demand of market and regulation, urgently need theoptimizing system to adapt to the current development demand. This paper takes thecompany settlement system of postal saving Bank as research object, through theanalyzing for existing running problems it conclude as tedious system architecture,miscellaneous staffing jobs, unable to satisfy the customer’s settlement systemrequirement, and the increased system risk, etc.The paper firstly put forward the present condition for company settlementsystem of the postal saving bank, including organization structure, personnel and business processing mode, the problems existing in the system and the necessity ofimprovement, thus to make readers fully understand the existing company settlementsystem for subsequent expansion. Improvement project of the company’s settlementsystem has been unfolded in the second chapter, the key is to introduce the improvedthe system function, the personnel division, business process, as well as establishsystem improvement plan. The third chapter is to set the improvement plan come intoeffect.The initial step is to collect business requirements, including the sound ofcustomers and employees, the following refers to system development and testing, thetechnology problems has not been gone into details in this section, just introduce thedevelopment and test process from the macroscopic angle, the third is the pilot testand the overall online. Finally, using project management knowledge to analyze thewhole project process, and find out the critical path, so as to shorten time limit forensuring the project could be completed on schedule with good quality. The fourthchapter, by virtue of the three aspects of the business processing speed and quality,risk control ability, bank operating costs, evaluate the implementation effect for thesettlement system of postal saving Bank, affirm the optimization performance, andprovided the impetus for subsequent work.The work of this paper full of meaning practical significance for post office bankto accelerate business, improve service quality, strengthen risk prevention and control,as well benefit the optimization process for personal business system. Theimprovement of company settlement system of postal saving bank accord with theneed for company’s strategic development, yet focus on how to strengthen themanagement and assessment in business processing center and prevent backstagemanagement and operation risk after centralized processing become a new topic.simultaneity, system and operation process are changed after improvement, accompanied with new risk links and keys, how to effectively prevent and controlnew environment and business risks, the same as to improve efficiency under the newsystem, are all come into subject for study in the future.