Research On Construction Of Suzhou XX Rural Commercial Bank’s Centralized Operation Project

With China’s accession to the WTO,with the deepening of China’s financial reform,the domestic banking industry competition is increasingly fierce,however,because currency and credit in the bank have homogeneity,the difference in business processes between Banks is an important factor in competitive strength when the products that Banks can provide are not very different.The traditional process of the outlets has high operation cost,low counter marketing ability and high business operation risk big problems,it is urgent to realize the existing business process reengineering.Since 2005,when the concept of "process bank" was put forward,China CBRC issued the "commercial bank financial innovation to guide" and so on a series of regulations,the construction of process bank,operational risk management of commercial Banks to process such as made specific provision.Business operation is the important support of the commercial bank run,based on the existing regulatory environment,market environment and information technology development,commercial Banks,especially the rural commercial bank,in the small and medium-sized Banks to survive in the fierce competition in the future,must enhance the operational efficiency,reduce operating costs,establish operating system that can support diversified customer channels.The reform of the operation mode of rural commercial bank is imperative.The transformation of the operation and management concept,the reform of the business model can not be completed overnight,the need to continue to adhere to and efforts,the need for system implementation,planning,step by,We need to constantly adjust and optimize in practice.On the basis of studying the construction of centralized operation projects of commercial banks at home and abroad,under the premise of studying the theory of lean management,constraint theory,process theoryand so on of centralized operation in commercial banks,this paper tries to study the status quo and problems of small and medium-sized banks ’centralized operation projects,taking the construction of Suzhou XX Rural Commercial Bank as an example,this paper discusses the necessity of implementing the centralized operation project of rural commercial banks in China,and determines the goal of rural commercial banks to build centralized operation projects.By comparing with the leading banks,this paper analyzes the rural commercial banks To be improved,perfect place,to determine the rural commercial banks to build a centralized operation of the overall thinking of the project,to find rural business implementation of the centralized operation of the project path.Rural commercial banks operating construction projects,to effectively control the risk of the premise,to "efficiency,quality and safety" principle,the development strategy oriented,implemented business separation,actively implement the business process reengineering,and gradually achieve the "small counter,big backstage,business backstage of intensive management",take the customer as the center "the process of bank operation mode change.Hope that through this paper studies and discusses,from theory and practice for centralized operation project construction in the rural commercial Banks in China to provide valuable reference and reference,avoid detours,hoping to promote the reform of the operation mode of the rural commercial bank team,let more rural commercial bank in an impregnable position in the increasingly fierce market competition.