County Rural Commercial Bank's BPR Research

Paul Allen pointed out that Bank process reengineering(BPR)is the fundamental rethinking and radical redesign based on the process which is in order to obtain a huge change in performance in cost,quality and reaction etc.The ultimate goal of BPR is to improve the bank's core competitiveness and the sustainable development.In recent years,the reformed county-level rural commercial banks achieved remarkable results,which benefited from the favorable macroeconomic,financial environment and the reform and development of its own.However,comparing with the other state-of-the-art modern bank,the county-level rural commercial bank still has some problems and disadvantages.In order to promoting the core competitiveness and the sustainable development of rural commercial banks and rural cooperative banks,The China Banking Regulatory Commission issue the formal document " The building guidance of promoting the Bank process reengineering in the rural commercial banks and rural cooperative banks(CBRC[2012]No.205)on July 9,2012.This document requires rural commercial banks and rural cooperative banks to promote the process of bank building actively.Therefore,it is undoubtedly a very important and urgent task for county-level rural commercial banks as how to combine their actual situation,implement process reengineering creatively,build process bank,enhance the core competitiveness,be more convenient for farmers,micro enterprises and local economic.This paper deep research closely verbs the theme from the theoretical and practical aspects of BPR.First,review relative theory of BPR and relative situation of domestic and foreign banks who have seem carrying out the process reengineering.The theoretical starting point of this paper focuses on the BPR theory.Secondly,this paper sets XX County Rural Commercial Bank as an example which is based on the analysis of the current situation,puts forward the necessity and possibility of process reengineering in County Rural Commercial Bank.Thirdly,this paper highlights the achievements and problems in implementation of process reengineering of x x County Rural Commercial Bank.Finally,this paper summarizes the conclusions and puts forward the rationally suggestion in the implementation of process reengineering of County Rural Commercial Bank.This paper points out:First of all,it is necessary and feasible for the county-level rural commercial bank to promote reengineering.Next,the county-level rural commercial bank process reengineering should be based on the actual situation and carried out creatively.For following aspects:Firstly,increasing efficiency and improving risk management.Secondly,overall design,the key point and continuous optimization should be focused.Thirdly,make a balance between inheritance and innovation.Forth,we should improve communication and coordination with relevant departments.Fifth,we should pay attention to the concept change of cadres and employees,the employee quality,IT system construction and the senior management.The main innovation is reflected in the following aspects:(1)A county-level rural commercial banks is facing many challenges during the process of transiting traditional sector banks to modern rural commercial banks.The process reengineering is a new exploration,so the topics of this paper are full of innovation.(2)This paper sets x x County Rural Commercial Bank as the study sample,based on in-depth analysis of the necessity and feasibility of the implementation of process reengineering of the County Rural Commercial Bank,it also puts forward the rationalization proposals in the implementation of process reengineering of County Rural Commercial Bank.It provides a reference for other county-level rural commercial banks in implementing BPR which has very significant research and reference value.