Study On The Operation Mode Of Commercial Bank

At present,with the rapid development of the world economy,China’s financial market competition is becoming increasingly fierce and mature,and the operation mode reform has become an objective demand to enhance the core competitiveness of the bank.In a long period of time,China’s commercial banks are decentralized operation of the operation mode,this operation mode has become increasingly not adapt to the development of modern banking,its limitations are also more and more apparent.In recent years,China’s commercial banks have to learn from foreign advanced practice,the spirit of "customer-centric" service concept,reforming operation process,the operation of centralized operation mode is the choice of most commercial banks.Through using the method of literature research,comparative analysis,qualitative analysis and quantitative analysis method,select the S Bank Ningbo branch data sample,the necessity of centralized operation and operation mode and operation problems.The research results show that the operation mode of centralized operation has a significant effect on improving the efficiency and quality of the business process,and the effective control of risk and cost savings.But at the same time the operation mode is not perfect,it will produce a new problem: such as the background system response is not timely,triggered a new type of operational risk,the background staff is unreasonable and the background process is not flexible,etc..In view of the above problems,the paper puts forward some suggestions to strengthen the information system maintenance,optimize the labor portfolio,improve operational risk control,optimize the business process,and so on.This paper aims to focus on commercial bank operation mode of operation,to put forward some practical advice and suggestions at S Bank Ningbo branch operations management,on the other to the implementation of centralized operation and operation mode of the domestic commercial banks to provide some suggestions.