Study On Process Optimizing And Innovating Of Individual Financial Services For ZGS

BOC bank completed a joint-stock transformation on August 26,2004, from a functional department of the government transfer into a stock company with the commercial nature of the international financial institutions. When joining the WTO, the Chinese government pledged China's commercial banks will be fully open at the end of 2006. China's commercial banks, especially such a landlocked hinterland of underdeveloped area as Bank of ZGS, are facing international and domestic competition in the industry overall and feeling unprecedented pressure. With this background, on one hand, the study of personal Financial business process optimizing platform, network process integration, sales and service process integration in Bank of ZGS has practical significance. on the other hand, the gradual deepening of reform and opening makes China's urban and rural residents further expand the income level, personal financial assets is growing, people's financial assets of commercial banks increasing causes the value of the inherent requirements of the business is also growing. Furthermore, to enhance its competitiveness, the banking industry maintains the objective requirements of the country's financial stability demand.This paper systematically describes the development of BOC, ZGS's individual financial business process platform for optimizing, restructuring of the network management classification, sales and service process transformation and process innovations. Providing an empirical study of such problems and the general idea method; Discussed the the status and trends of development of the ZGS in individual financial business process platform optimizing; It neaten the business theoretically based on quantitative models, comparative analysis (horizontal, vertical comparison), the business process diagram method, and put forward the basic thinking, opinions and recommendations from a strategic and tactical level.