The Bank Of China,Shanxi Background Operation Process Optimization Esearch

Under the background of economic globalization,financial market transactions have become increasingly active,the competition between banks is more and more intense,more and more demand changes in customer preferences and personalized,the traditional business model of commercial banks will face a huge challenge.At the same time,with the depth of the financial markets open,the continuous influx of foreign banks,China's commercial bank's market share decreased gradually,by decreasing the inherent benefit,service concept,management mode has been unable to meet the requirements of future development,the existing system function,organization structure and operation flow.There are many defects and shortcomings.It is imperative to reform.But the continued optimization process,improve efficiency,meet the new needs of customers,improve service quality,in order to promote business development,enhance the core competitiveness of enterprises,which occupy the dominant position in the future market competition."Business process reengineering" originated in 1980 s in Europe and other developed countries,the major commercial banks have carried out the internal management process,the Western banks have completed the business process reengineering.From the view of tangible benefits,reduce operating costs by 20%-40%,the processing time is reduced by 65% or more,and eventually make the processing error rate lower than 50%,excellent management operation mode can accurately control the bank before,in the background of all business processes,to provide more high-quality products and services to customers.In recent years,domestic banks have to the backstage operation process,organization of process integration and re structure,modern information technology applied to the system of technology innovation,constantly enrich the business and product types,streamline business processes,risk control mode,with the reform of the background and fundamental operation process reengineering,seek optimization of operation process best background.This paper mainly studies the Bank of China Shanxi branch of the background of the operation of the optimization program.First,to the quality of service management theory,business process reengineering,organization management theory and the Basel risk management theory,combined with the characteristics of the service of commercial banks,focus on customer needs,operation and management methods of commercial banks,many problems of operation of commercial banks should consider the background;then from the development process and characteristics of the status quo,background the operation process of the different development situation of domestic and foreign banking background operation process;and then characteristics of banking industry operation process,and the existing Chinese Bank branch in Shanxi province background to analyze the problems in the operation process;finally the constraints on Chinese Bank branch in Shanxi Province the backstage operation process cumbersome analysis,in order to find the process the integration and re construction measures,and gives the corresponding suggestions.This paper will China Development Bank of China branch in Shanxi province and the background business process optimization combination,analyze the relationship between the two,and specific measures of the background business process optimization analysis,draw the following conclusions:(1)the business process is a variety of activities to provide services,to create value for customers,is the key factor of the enterprise operation and management the.(2)the western commercial bank has taken the lead to reform the operation process step,at present,domestic banks have to learn the advanced experience of foreign banks,with their own development needs,actively practice the background business process optimization;(3)Chinese Bank branch in Shanxi province the background operation management mode reform is mainly located in the background,lateral the integration of optimization control,product innovation,risk management,cost,improve the core competitiveness.The innovation of this paper lies in the background of process optimization measures and effect and studied separately for each bank the key points of process optimization classification of banks,which can provide a reference for China Bank branch in Shanxi province the background process optimization to a certain extent;the limitation lies in the existence of China bank Shanxi branch of the existing background the process,due to the availability of data,to conduct a comprehensive summary of the system,we only put forward the solution of micro operational problems,for the follow-up study for process optimization of the development direction of the macro background,the future still need in-depth study and comprehensive analysis.