The Research Of Construction And Management Of Processing Bank System: In View Of CPI (Continuous Process Improvement)

Chinese commercial banks face extremely fierce competition in domestic and foreign markets. It is an inevitable choice to establish international banking management model and continue to enhance the core competitiveness. Processing Bank System (PBS) is a kind of widely used management model for many international advances bank. Since 2006, banking industry of China began to explore the building of PBS, although they made some progress and effect, from the aspect of strategic deployment and specific operational processes, how to promote the construction of PBS in China was an urgent problem. The banking sector suffered the primary brunt of the American sub-prime mortgage crisis. The business of Individual Housing Loans (IHL) is only a short ten years of history in China. It did not experience a full cycle test. So, currently, the crisis behind the IHL should be concern particularly in Chinese commercial banks. Chinese commercial banks should promote the development of PBS through enhancing the management of the business of IHL.To build PBS, its core of management should gradually transform to the management strategy that is strategic core business, organizational change and the pursuit of quality and efficiency. The theory of Continuous Process Improvement (CPI) is a kind of philosophy and methodology. CPI guided the organization to think comprehensively and improve process effectively. CPI is a theory which based on customer satisfaction-oriented, and it applied all kinds of tools to realize systematic management. So, to Chinese commercial banks, the need of CPI is from not only the external environment changes and also from their own internal needs. Base on the background, this research analyzed Chinese commercial banks how to build PBS in view of CPI and by structured approach.The main contents and conclusions of this research were given as follows:1, the main theory--Continupous Process Improvement (CPI), Lean Six Sigma (LSS), Processing Bank System (PBS) were reviewed, and described their relationship. Similarities and differences between the CPI and LSS were given reviews. The research analyzed the development of domestic and foreign commercial banks. It proposed some exploratory thinking that the integration of TRIZ theory and LSS to construct PBS.2, the paper analyzed and improved the CPI theoretical from some aspect of the core ideas, theoretical system, application tools and procedures. It summarized the core idea of CPI is that to feedback the past, to do best today and to plan the future, and a good grasp of strategic objectives with the changes. It combined the theory of CPI and the thinking of PBS to propose a conceptual model: CPI--PBS hybrid deployment model. Through compare and analysis, it proposed a process improvement model which is suitable to Chinese commercial banks. Then it found out the difficulties and countermeasures of application of CPI to manage banks.3, if the Chinese commercial banks want to realize the strategic aim of PBS, LSS alone was not enough. It should integrate the concept, model system of CPI with the theory and methodology of LSS. This research used the methodology of LSS as the main application tool of CPI theory. It was integration of the theory of TRIZ and TOC in the DMAIC process of LSS theory to construct a dynamic optimization system of PBS. Between the macro level and micro level in the CPI--PBS hybrid deployment model, it used key performance indicators (KPI) as the measure index, and used SEM (structural equation model) to determine the weight of the KPI of PBS, and used the method of DOE (design of experiment) to find out the key factors in business processes and control its associated factors.4, the process improvement in commercial banks is a dynamic and continuous process. The research analyzed the present situation and existing problem of business process in Chinese commercial banks, and it based on the lessons from the U.S. sub-prime mortgage crisis. The research proposed that Chinese commercial banks should impel the development of PBS through strength the management of the business of IHL. It selected the Chinese Construction Bank as a case, which is from the IHL business as a starting point. It analyzed the feasibility and applicability of the application CPI to build and develop PBS. Then, it investigated how to gradually strength the various departments operation and enhance internal control mechanisms of the banking sector. Eventually, it can truly achieve the goal of modern commercial banks.The innovative part in the research: 1, In view of Continuous Process Improvement (CPI) theory, this research analyzed process management of the Chinese commercial banks. It combined the theory of CPI and the think of PBS to propose a conceptual model: CPI--PBS hybrid deployment model. Through compare and analysis, it proposed a process improvement model which is suitable to Chinese commercial banks, and then found out the difficulties and countermeasures of application of CPI to manage banks. 2, it made the LSS as the main application tool of CPI and it is the integration of TRIZ and TOC in DMAIC process of LSS to construct PBS dynamic optimization system. 3, the construction of PBS is a kind of management innovation. It emphasized that the theory of CPI is important cultural foundation and organizational safeguard to build PBS. If the Chinese commercial banks want to realize the strategic goal of PBS, LSS alone was not enough. It should integrate the concept, model system of CPI with the theory and methodology of LSS. Then it can effectively promote the construction of PBS.The aim of the research is to analyze the design and implementation of CPI in the bank, identify the benefits and develop a better understanding of CPI impact on banking competitiveness as well as provide an empirical example of how CPI constitutes better performance. At the same time, the study provided a reference for this kind of further research.