Research On The Optimization Of Financial Outsourcing Operation System Of A Commercial Bank

Financial service outsourcing emerged in the seventies of the last century,large banks will own or a new business process entrusted to third-party service companies to complete an operating system,thereby improving the operation efficiency of banks,centralized resources to develop core business advantages.Foreign financial outsourcing model has experienced the development of information technology outsourcing(ITO),business process outsourcing(BPO),high-end innovation management outsourcing(KPO)three models,the current development has been relatively mature.From the point of view of our country,after the new century,domestic commercial banks with more and more attention to financial services outsourcing brings efficiency enhance,however,due to domestic commercial banks to carry out financial service outsourcing is the late time,overall outsourcing system is not mature,there are still many problems and deficiencies,the commercial banking business outsourcing system development has suffered from the obstacles.This choice of domestic commercial bank A,the research on financial outsourcing operation system,and put forward the strategic planning and operation suggestions.This study,using a combination of literature analysis,comparative analysis and SWOT analysis,the analysis of financial business of commercial banks to carry out the service outsourcing industry based on the background,the domestic and foreign financial outsourcing related theory system about the summary,lay the theoretical foundation of this thesis;then,the thesis further for commercial banks the developed country financial outsourcing experience of domestic and foreign commercial banks in the current situation and development of different types of financial supervision,outsourcing trends are compared and analyzed;on this basis,through the in-depth research of A commercial bank,analysis of the status quo of the bank maintenance outsourcing,software development and operations launched its outsourcing operation system three call center outsourcing,human resource management outsourcing,and dig out the A commercial banks in the financial outsourcing operation from System existing problems,including poor quality of software outsourcing and software outsourcing business management and maintenance difficulty is big,the call center outsourcing confidentiality is low,the call center outsourcing service level is not high and the difficulty of personnel management and other problems.Then,using SWOT analysis method,from a commercial bank financial outsourcing operation system has the advantages,disadvantages,opportunities and potential threats four aspects of in-depth analysis of the feasibility of the bank financial outsourcing operation system,and proposes the strategic planning of the bank's financial outsourcing operation system.Finally,the thesis combines with the development status of A commercial bank,were put forward to improve its financial outsourcing operation system is proposed from the government,commercial banks and business level.The research of this thesis,not only to further improve the commercial bank a financial outsourcing operation system has a positive role,and implement financial outsourcing business in domestic commercial banks provide experience reference,also to promote China's commercial banks focus on the advantages of resources,enhance their core competitiveness has played an important role.