Bank Of China Own Payment System Research

China's biggest four state-owned commercial banks in joint-stock reform, the China Construction Bank, Bank of China, Industrial and Commercial Bank have successfully completed the listing is to the international standardization of the banking system forward, how can truly become a core competitiveness of commercial banks, in the pendulum commercial banks before.This paper from the commercial banks start on the organizational structure, developed commercial banks of the organizational structure of the establishment, and the Royal Bank of Scotland made an in-depth analysis of the organizational structure of the Bank of China organizational restructuring proposals, the region change the past , a functional "department" management of the organizational structure of a branch mode to switch to the vertical line of business management based, compressed intermediate links, reduced management radius. And use it as the starting point and analysis of the commercial banks in the organizational structure reorganization, liquidation payment system for its internal model the impact of Construction, and one of the four major state-owned commercial banks, Bank of China and the organizational structure of the payment system study discussed the current payment system for the Bank of China the status quo and the causes for the problems, stated in the restructuring of commercial banking organizations, in large centralized data bank system integration, abolition of the internal payment and settlement system, a whole line account management system, At the same time the abolition of commercial banks with the local People's Bank branch between liquidation mode, the head office of the head office to establish the modalities clearing account, relying on advanced information technology and means to enhance commercial banks in the payment system for the flow of the management level, thereby control the payment risk, improve capital efficiency.This view is the author of the in-depth study of the Bank of China after the formation of hope to be able to state-owned commercial banks in the restructuring and business process reengineering provide some ideas.