Research On The Optimization Of Enterprise Account Opening In The Branch Of The Postal Savings Bank In Jilin Province

With the development of domestic and foreign economy,the rise of various industries is becoming more and more obvious,enterprises and commercial banks and other service industries are more and more consistent requirements,combined with the current situation in China,the banking industry on the docking of enterprise customers there is still not perfect,in this economic situation of vigorous development,the service industry gradually improve the environment,The State Council held a televised conference call on the reform of the national promotion and management clothing,and put forward the idea of "putting the pipe clothes" at the conference,and made the release clothing as an economic reform policy of our country,that is,“decentralization,strengthening supervision and optimizing services”.Facing the defects of commercial banks at present,only by improving business processes,achieving customer satisfaction,and meeting the needs of the bank's business development,on the basis of this balance,so that both sides win together,in order to let commercial banks in the market economy under the environment of the invincible position.Compared with the provincial peers,the Jilin Branch of the Postal Savings Bank has a certain gap in the development of the company's business.As an emerging commercial bank,with the support and assistance of the state,the full coverage network structure of urban and rural areas occupies a unique advantage.The development of the Jilin Branch of the Postal Savings Bank has been rapidly improved in the short term.In the early stage of the company's business development,the company's customer resources were scarce,customer information was asymmetrical,urban and rural outlets were not well developed,and theapplication of electronic channels was imperfect.The above situation led to the lag of initial business development.Only by establishing a correct development strategy,obtaining a good business plan,and determining the factors that can guide the correct development direction of the enterprise,and make scientific and rational production management,can the various systems provided by commercial banks be designed.Shorten account opening time and improved efficiency of the account opening process of the company's business,and formulate various policies and plans around cost saving and customer satisfaction,consistent with the bank's development strategy,can achieve open source,reduce expenditure,improve efficiency,and enhance market competitiveness.According to literature analysis,empirical analysis and case study,the objective environment and process that the Postal Savings Bank is currently facing are not accurate enough,and the target customer groups are selected through these realities.At the same time,it actively maintains large-scale corporate customers and lays a solid foundation for the future sustainable development of the Postal Savings Bank.This article is divided into four chapters,the first chapter is the introduction,elaborated the topic selection basis,the background significance and the research method,many scholars at home and abroad have done the corresponding research and the guidance to the Commercial Bank process improvement,especially in the country the improvement business environment situation are actively promoted,and the postal Reserve Bank Jilin Branch will be more active response,conforms to the Times trend.The second chapter mainly describes the current situation and existing problems of the business process of customer account opening in Jilin branch of the Postal Reserve Bank,and analyzes the unprecedented opportunities and challenges faced by the branch of the Postal Reserve Bank in Jilin Province under the background of the vigorous development of the current financial situation and the acceleration of the improvement of the business environment.From staffing,organizational structure,the work flow and other aspects have carried on the detailed analysis and the elaboration;The third chapter roughly describes the goal ofprocess optimization,the definition of the target customer population,the precise division and selection of service methods and the shortening of the length of account opening and other summary goals;The fourth chapter analyzes the implementation and evaluation strategy of process optimization under the current political,economic,social and technical background,mainly describes the safeguard measures and effect analysis of each business in this process,but also has the improvement results to a certain extent,avoids the risk in all aspects,And in the appropriate period of use of good optimization programs to constantly make up for the shortcomings in the process.Finally the realized the Postal storage Bank Jilin Branch Enterprise customer account opened business process optimization,improved the system and business deficiencies,and for the future long-term development laid a good foundation.