Research On Financial Service Outsourcing Management Of Commercial Banks

Since China's reform and opening up,especially after entering the 21 st century,China's financial market openness,active financial market main body development,innovation,business development faster,commercial bank service outsourcing market has a larger development,outsourcing business scope expanding.Service outsourcing reduces the operating costs of commercial Banks,improves the efficiency and profitability of banking operations,and provides support and support for its operation and development.Relative to foreign speaking,commercial bank service outsourcing in China started late,development time is shorter,commercial Banks gradually in practice to explore the management and achieved some experience,but there are also some problems.On the basis of theoretical analysis and literature research,this paper analyzes the history and development of commercial banking service outsourcing in China.In this paper,taking Zhengzhou branch of A bank's service outsourcing management practice as A case,summed up the experience and the existing problems and development direction and service outsourcing,and puts forward establishing effective outsourcers evaluation system,to maintain their own sustainable management capacity,optimization of outsourcing management,refine the outsourcing service price management,strengthen the outsourcing risk management,strengthen the system of execution and actively explore other service outsourcing project.The thesis mainly adopts the method of theoretical analysis and typical case study.Based on theoretical analysis and relevant practice,this paper puts forward some Suggestions for the management of service outsourcing of commercial Banks in China.The government should continue to support the provision of better administrative environment for financial services outsourcing and the top-level design of the system,while strengthening the supervision of the financial outsourcing service industry,Guide the outsourcing service to the high-end development,optimize the business structure.Commercial Banks should clear their own core competitive advantage and value chain,centralized superior resources to enhance the core competitive advantages,reserve and cultivate high-end interdisciplinary talents,and to enhance the flexibility of competitive strategy and pay close attention to dynamic environment change,take the initiative to adapt to change,in the small micro enterprise loan to explore aspects of outsourcing,reasonable form of outsourcing,outsourcing risk control,carefully choose the outsourcer.In terms of outsourcing enterprises,it should enhance their core competitiveness,to adapt to the financial background of science and technology,to improve its technical skills,at the same time should pay attention to the outsourcing business process reengineering innovation and value enhancement,deep tillage "vertical segment business".In addition,in terms of loan service outsourcing,outsourcing enterprises should increase professional talents' introduction and training,and replace the current blind extension expansion with refinement and professional connotation development.