Research On Centralized Operation And Management Modle Of China Merchants Bank Harbin Branch

With the development of the economic environment and information technology,banks have carried out in-depth reforms of the operational processes,and the re-creation theory of “process banks” has arisen.In the process of reform,the business image transmission and business process transformation were taken as the starting point,which changed the original operation mode and reorganized the front and back post process.Centralized operations are an important manifestation of banking business process reengineering.The operation management department of the bank reorganizes the operation modes of the operations that are originally operated by each branch and the business is decentralized,and incorporates part of the operation process into the background for centralized entry and audit.This operation mode of operating the business process and standardizing the operation procedures can be Effectively reduce the pressure on the front desk staff’s business review and system operation,and achieve the purpose of transferring potential operational risks and improving service quality under the premise of ensuring the standardization and timeliness of business processing,so as to obtain high-quality customer base and market share.Through literature analysis,case analysis and inductive analysis,this paper summarizes the common conclusions that can be theoretically analyzed in terms of process banking,centralized operation and risk management,and studies the necessity and feasibility of centralized operation mode.First of all,the current situation of the concentrated operation mode of the operation of Harbin Branch of China Merchants Bank was studied.Taking the business operation link,the front and back office staff’s work dependence,the front desk accounting staff’s transactional workload and the outsourcing business supervision and inspection as the entry point,the analysis puts forward the problems existing in the current operation centralized operation mode,and from the personnel quality,core business System configuration,financial technology applications,professionalism of outsourcing service providers,etc.,further analysis of the causes of existing problems.Secondly,an optimization method is proposed for the current centralized operation mode.From the internal control management system construction of centralized operation mode,the degree of operational businessintensification,employee performance appraisal and personnel training,information maintenance and resource integration of in-row business systems and management of outsourcing business,it is proposed to build a more complete and operational centralized operation mode.Methods.Finally,specific safeguard measures are proposed for the optimization of the operation mode of the operation of Harbin Branch of China Merchants Bank.It puts forward the rational allocation of manpower and post resources,strengthens the linkage of branches and branches,establishes an effective emergency work process,and strengthens the coordination of operations and management departments to ensure the effective operation of the operation of the centralized operation mode.This paper focuses on how to make the centralized operation mode of operations work in the financial technology development environment with strategic transformation to do systematic research,not only can effectively improve the efficiency of front and back operations,reduce business pressure,but also be able to strictly control the operational risks that may arise,and comprehensively improve the bank.Bank Harbin Branch Operations Management Efficiency.