A Study On The Process Reengineering Of Rural Credit Union In China

Since 1990s, the domestic and international banks have launched the vigorous movement of bank reengineering, its core is the bank process reengineering. How to devise the strategy of process reengineering, survive in improving, continue keeping its profitability and local competitive advantage under the international standard precondition, it is the realistic subject urgently to be explored in the present strategic management of banks in China. Because the process reengineering of the domestic commercial banks already has made certain effects, The dissetation choose development of rural credit unions less than maturely as the studying main body, on the basis of the viewing angles of the resource and the ability of enterprise, from the height of strategic management, studying the bank process reengineering.The dissetation focuses on that micro bank reengineering frame, its subject is the process reengineering, and then matching with institutional framework reengineering and customer relationship management related to it. It has carried on case analysis to the process reengineering of Guangzhou rural credit union.The logic frame of the dissetation is that firstly through introductory theory introduces research background and meaning, sums up the research approach and research object, based on the domestic and foreign literature reviewing, analyzes current situation and limitation of this subject research, as the starting point of the dissetation. Secondly, the dissetation exposits the theoretical foundation of bank process reengineering, the main theory is the enterprise resource and ability theory, runs through it entirely in the system of describing. Thirdly, proposes the basic key element of the bank process reengineering, carries on feasibility research. Subsequently, probes into the implementation of the process reengineering of rural credit unions, aims at setting up a theory of process reengineering and operating normal form suitable for China's actual conditions and rural credit unions. The case analysis has proved the guidance function of relevant theories in reengineering practices, and offers a little more beneficial references of the other rural credit unions. Finally, draws research conclusions, limitations and follow-up study prospects.According to the principle that the theory combines with practice, to some extent the dissetation has innovated on the basis of forefathers study.Firstly, the process reengineering is the dynamic change based on the resources integration-jumped and moved ability-performance promotion of the course. The dissetation regards the enterprise resource and ability theory as the visual angle and theoretical foundation, combines other relevant theories, deeply analyses the theory origin and basic logic of the bank process reengineering, and plays a positive role that explores and combines the bank resources fully, promotes the key competitiveness, forms the dynamic, Sustainable competition advantage. The depth and broadness of process reengineering embodies the validity and completeness of the bank manners, institutional frameworks, management ideas innovation, and the significance of final performance changes. But its success or failure depends on the resource and size of ability, result of integration suitable for controlling of the bank in essence.Secondly, the dissetation systematically analyzes the theoretical research and practice firstly on the rural credit unions from the height of strategic management. The domestic and international literatures of bank reengineering usually direct at the system of the whole bank, but rarely referring to the mode choices of different kinds of bank reengineering research.The writer attempts to break through this weak link, combining the bank strategic management theory and other relevant theories, it carrying on deeply discussion to rural credit union ideas,contents, ways, basic key elements, technological means and development routes,etc. The dissetation has offered the theories and practices for the systemic bank process reengineering of different kinds of banks.Thirdly, the dissetation has put forward institutional framework mode and process reengineering idea of the rural credit unions in China corresponds to reality. The institutional framework of rural credit unions after reengineering should be many kinds of modes organic integration, i.e. combining the mode and simple division of "the big general headquarters, small branch" together, complementing project group according to the needs of development of business. At the same time the dissetation points out that the reform and development of rural credit unions in China is still at primary stage. Process reengineering can not accomplish in one move. It must be the rational mode of completely revolutions combination with constant and gradual changeable strategies.