Research On The Optimal Design Of QS Bank Financial Service

Since 2005,the growth rate of commercial banks' wealth management business has been accelerating,and the scale of business has been growing.Explosive growth at the same time,the banking business gradually expounded the accumulation of risk and innovation bottlenecks,the original financial distribution model,self-business and Valet business between the lack of firewall and other issues are in urgent need of change.The development and effective supervision of commercial banks' financial management has also become the focus of the regulatory bodies.The business department system can effectively solve the problem of the long management of the internal financial management business of commercial banks,realize the unified management of financial management business,and then optimize the risk management and internal control of financial product development and combination management,product sales and other aspects,and help to realize financial management Business independent risk control and index management,to promote the financial management of the standardized operation,professional management and fine development.The transformation of the intermediary business and the management of the origin,to the real asset management business transformation into a bank financial business development inevitable choice,the commercial bank financial management business system reform that conforms to the needs of business development,but also meet the regulatory requirements,commercial banks The pace of reform of the wealth management business system is accelerating.QS Bank as a small and medium-sized city commercial banks,in recent years,wealth management business also has a vigorous development.Financial management business system reform also put on the agenda.This paper mainly studies the reform of QS Bank's financial affairs business system from the following aspects:First,it analyzes and summarizes the research on the reform of business department system at home and abroad,Secondly,provides the theoretical basis for QS bank financial affairs business system reform.Thirdly,This paper analyzes the current situation and existing problems of the development of China's banking industry,introduces the background of QS Bank's financial affairs business system reform.The fourth part analyzes and analyzes the status quo,problems and problems of QS banking business.This paper analyzes the feasibility of QS Bank's financial affairs business system reform.Fifthly,it puts forward the guiding ideology,reform route and specific reform measures for QS Bank's financial affairs business system reform.,And for the reform may be difficult to put forward the means of protection.After conducting the literature research and qualitative analysis,the following conclusions were drawn from the reform of QS banking financial affairs business department system.The bank's financial management business system reform also need to have certain conditions:First,the Bank's strategic decision-making,business system reform is a major adjustment of the organizational structure of the bank,the need for the board of directors,senior management carefully decided.Followed by human,financial,information system support and the corresponding incentive and restraint mechanisms,there is no certain talent,material,information technology conditions difficult to carry out business department reform.Once again depends on the degree of financial management development and scale,with a certain scale of development is the basis for the reform of the cause of the business,for the financial business development is more mature,larger banks have more financial management business system reform of the advantages of the conditions TheThe main innovation of this paper is to sort out the reform of the commercial banking system from the macroscopic level,and focus on the development status of the QS banking financial management business from the micro level,and put forward the measures to make the reform of the QS bank financial management business system,The QS Bank is in line with the development characteristics of the majority of small and medium-sized banks in China at present.It is hoped that through the study of QS Bank's financial affairs business system reform,the QS Bank will be the research and development of QS Bank's financial affairs business system reform.Small and medium-sized commercial banks to provide reference for the reform of the cause system.