Research On Business Process Reengineering Of ICBC Hangzhou Branch Personal Loan Center

With the rapid development of society,economic globalization and interest rate marketization are constantly increasing with the changes of the general environment,and customers' needs have become more diversified with the improvement of their own living conditions.In order to compete for more customer resources,competition is bound to become more fierce.Due to the special national conditions of our country,the structure of the banking industry in our country has always been the traditional distribution system and the hierarchy is clear,and it is managed by the model of the sector bank.With the rapid development of society,economic globalization and interest rate marketization are constantly increasing their influence with the changes in the general environment.It is difficult to understand and understand that the needs of customers and even the leadership of the inter-sector are often more diversified with the improvement of their living conditions.And make corresponding planning,and actually apply to the relevant business.The personal credit business carried out by ICBC does not get rid of this dilemma.It also adopts this administrative organizational structure.It is followed up by the marketing and projects of each branch to carry out business independently,and it is integrated into the management of the branch headquarters.The entire process of management of each loan will be divided into multiple links,involving multiple departments,and each department is in an independent state of operation.There is a lack of trust between the departments and it is difficult to unite and collaborate.This can easily lead to numerous internal barriers in the bank.There is a lot of repeated labor,and the establishment of positions is also lacking in flexibility.As an employee of the Hangzhou branch of the ICBC,the author studies the tedious process of the individual loan business.First,it summarizes the related concepts and theories of process,process reengineering,process bank and personal credit business,and pave the way for the analysis and research of the latter.Secondly,to the Hangzhou branch of ICBC.The present situation of the human credit business process is analyzed,and the necessity of process reengineering is drawn up.Then theconcrete implementation of the process reengineering of personal credit business is introduced,including the reform of the business model,the adjustment of the organizational structure and the details of the process reengineering.Finally,the results of the reengineering process are shown and the conclusions are drawn.After the business process reengineering of Hangzhou branch of ICBC,the efficiency of employees and the overall core competitiveness of banks have been significantly improved.In addition,the study not only has a certain value for the Hangzhou branch of industrial and commercial bank to improve its own business process,but also provides practical reference value for the establishment of the individual loan center in other areas of the industrial and commercial bank.The thesis must have an English abstract.The abstract shall be consistent with the Chinese abstract.Please pay attention to the usage of English,and avoid spelling and grammatical mistakes.The author shall avoid using personal pronoun “we” in the abstract,since the thesis is a work done by the research student himself/herself.The author could ask some professionals to proofread his/her abstract.The English abstract is followed by 4 to 8 key words,and the key words shall be the exact translations of the Chinese key words,respectively.