Research On The Process Re-Engineering Of A Rural Commercial Bank

As a special important part of China's financial industry,the rural commercial bank as a bridge to make the people's property closely related,and it is also the most important part of rural finance.Along with the great importance to agriculture attached by our country,the development strategy of building a new socialist countryside for the welfare of the people was put forward.A series of measures and new financial environment will promote the rapid development of the rural commercial bank in our country.By this way,convenient financial services would be provided to the people as well.Therefore,in order to meet the needs of the times,the rural commercial banks need to put forth the new ideas,deepen the reform and change the patterns.Under the perspective of process bank,this thesis aims to provide reference to help improve the rural economic climate as well as to enhance rural bank competitiveness.Theoretical analysis and specific examples were taken to research on the re-engineering of a rural commercial bank business process and forward the corresponding reform plan.In today's world,given the social economic situation and compared the various commercial banks development,the reform of the rural commercial bank is a primary task.Which also concerns the rural financial reform is able to better conforming the market economy environment or not.The reason why it is a primary task to reform the rural commercial bank lays on the following reasons.Late establishment,slow start and tedious development..Rural credit cooperatives and rural commercial bank has the historical gap.The first peasant association of credit cooperatives was set up.After many setbacks,in 1996,it undergoing a change to wholly commercial bank.By then,it officially out of the Agricultural Bank of China membership relations.At that time,rural commercial bank came into being by joint-stock reform.However,the service to agriculture,countryside and farmers remaining the same.Process re-engineering has become the top priority for rural business.Build the rural commercial banks into a highly efficient process bank is the strategic objectives for rural commercial banks development in China.Formulate and implement on organization pattern revolution is also the most important step for it.All these processes are suit its business scope,its management system and its market scale.In order to go ahead in a down to earth manner on the process bank building,strengthen comprehensive risk management,constantly improve the quality of service operational efficiency and customer satisfaction,effectively enhance the core competitiveness,by actual situation of the bank,according to the relevant requirements of China Banking Regulatory Commission and the Provincial Association for construction of process banking,this article sets out an effective reform scheme to rural credit cooperatives to the transition and connection of the rural commercial bank,which provides the guidance for the improvement and further reform of rural commercial bank.In the implementation of the reform process,it aims to develop the strategy,centered with customers,based on the risk management and supported with technology information.Bank processing built is reached by re-engineering organization structure and by setting up management system as well as by specific operation process.Accelerate transformation of the mode of development and dynamically adapt to market competition and environment change,realize the sustainable healthy development.Trying to construct the rural commercial bank into a modern rural financial enterprise with core competition force.The main content of this thesis is analyze cases according to re-engineering and reforming of rural commercial bank.The specific process defects are listed and operable re-engineering process strategy together with methods are put forward by the following things.Foreign advanced research theory,excellent research achievements,analysis on motivations and requirements on rural commercial bank business process transformation.Which can help to improve the development of rural finance.What's more,to provide implemented ways and plans for rural commercial bank on reform.Five Chapters for this thesis.The first chapter introduces the background and research significance of this issue.The author made a simple description on the framework,method and innovations of the studies.The second chapter is research on process re-engineering theory.Some related literature review of China and abroad are listed.The concept of the process bank is arise as well as formed and perfected.Besides,the related domestic and foreign research scholars have expounded the views and opinions of re-engineering.The third chapter analyzes some advanced bank re-engineering process of the domestic and foreign countries.Generalization is made by the re-engineering selecting paths and steps.Summarizes the dynamic development and some learning worthy method of the re-engineering.Which laid a theoretical foundation for subsequent rural commercial bank reform.The fourth chapter is the main content of this thesis.Analyzing by real facts of a rural commercial bank in Shanxi.Detailed analyze on the difficulties they face and paths choosing in the reform by deep research.Listing the existed business process defects in the bank,combining with the general requirements and principles of rural commercial bank reform,the main problem is modified and concrete feasible scheme is put forward as well.The fifth chapter is conclusion.There's still a long way to go in the process of continuously explore on the reform of the rural commercial bank through above analysis.