Research On The Centralized Operation And Management Model Of Shanxi Agricultural Bank

In recent years,the financial market at home and abroad has been developing and innovating rapidly,and the competition between the same industry is becoming more and more intense,and the commercial banks both at home and abroad are facing a difficult transformation.As the market is more and more mature,each line is becoming homogeneity in product,service and marketing means,which makes the competition between commercial banks more and more embodied in the backstage comprehensive strength,such as business operation.In such a situation,accelerate the construction of modern operating system,becomes imperative.The establishment and improvement of a more modern operation system can not only improve the efficiency of business processing,enhance the ability of risk prevention and control,save the operating cost,but also change the traditional extensive model,and realize the premise and guarantee of the operation transformation and sustainable development.At present,facing the unprecedented upheavals of regulatory policy,market rules and customer needs,the traditional decentralized operation model has begun to restrict the business expansion and innovation of commercial banks,and the global banking industry has experienced a scale of institutional change.The goal and content of this change is to take the external service differentiation,the internal operation intensification as the core,the centralized operation with the help of the backstage,the innovation and transformation of the process model,and finally the center for the customers and the market.The starting point of this paper is the theory and actual effect of business bank operation management and background concentration,and clarifies the importance of operating background in the business management and management of commercial banks.Through the analysis of the current situation of domestic and foreign bank operation background concentration and the achievements made by the construction of the Agricultural Bank,the necessity and advantage of the centralized operation in the background are fully revealed.At the same time,in order to elaborate the advantages of the operation background,discover the problems exposed in the process of implementation,and provide suggestions for further development,this paper takes the Shanxi Agricultural Bank of Agricultural Bank as an example,and analyzes the theoretical basis,the implementation path and the management process of the implementation of the centralized operation mode in the provincial centralized operation.To fully demonstrate the great advantages and results brought by the backstage concentration,in view of the shortcomings and difficulties encountered in the implementation process,it provides meaningful measures and suggestions for promoting the better and further development of centralized operation.At the same time,it also boldly puts forward some business,mainly outsourcing business across the province,and building a regional operation center.The idea and attempt will provide some references for the current reform and promotion of Shanxi ABC operation and the further upgrading or deepening.