Research On Business Process Optimization At Postal Savings Bank Of China In Chaoyang Branch

Capital market is more and more important position in the economic development, the paper market is part of a very important role in capital market, so the status should be concerned, but since the formation of market economy in our country not qualified commercial paper business process management process, and the paper market has been tepid, but along with our country market economy prosperity and the deepening of reform and opening up, develop business paper, has been imperative.In chaoyang branch post office bank head office authorized open bill business since 2013, has been to determine the important position of paper, it seriously, and constantly optimize the structure, the purpose is to let its type can be a very good transition to commercial Banks. Post office bank in the development of bill business has achieved very good results, but because the development time is not early, has lagged behind the others, and no form a distinctive is suitable for the development of the Banks a system, also have no in time is not long enough experience in the process of development. So the problems during the development process of post office bank not only more and more, at the same time also more and more complicated, especially when involving the management level, as a result of the management mechanism is not sound, so the management process is complicated, in addition to this, post office bank also does not have the consciousness of the form is given priority to with the customer, the staff ability is very limited. According to the problems described above, the post office bank must change the existing business process, constantly optimize the structure, so as to improve their position in the industry of real competitiveness, in the production of more and more difficult to survive in the environment, and this is the development of the inevitable. This article use the topic, make analysis and investigation on the thinking of scientific and reasonable, the face of difficulties and problems listed one by one, according to these problems, according to the bank’s overall development situation and future development decisions, formulate reasonable countermeasures, solve the difficult problems, and to establish reasonable security measures to solve the trouble back at home.According to previous research report you can see, the post office bank are faced with the problem mainly embodied in the following aspects: bad customer feedback, the poor quality of service, the operations is too trival, business quality is uneven, so business optimization should be embodied in the hope of improving customer experience, improve service quality and simplify the operation, improve efficiency, change the business quality, etc., and on the basis of the constant in-depth and spread to every aspect. To analyze the current situation of our country commercial bank paper business, the function and characteristic of a paper in our country and its effect, at the same time, in view of the post office bank notes in chaoyang branch core business processes to optimize design, try to construct a more scientific and efficient "electronic + manual" commercial draft business model process system. Smooth implementation to ensure that the optimized business process, and lists the three sets of targeted protection methods: one is to professional work team, set up perfect transparent structure system, enhance the value of team; Second to the unwilling to lag behind in information age, establish perfect appropriate information management system; And then to the cultivation of talents, make the staff are all meet the professional requirements, perfect training organization and training mode, and establish the system of rewards and punishment, to constraint and encouragement.