A Study On The Strategy Of Centralized Operation Of Commercial Banks In China

In recent years, with the rapid development and wide application of information technology, the international advanced commercial banks launched a business model revolution that with the background operation intensification as the core by using technology. From the current situation of domestic commercial banks, business outlets of commercial banks are still the main channel of bank service and customer marketing. Therefore, in recent years, many domestic commercial banks regard the "customer-centric" as business philosophy, learn approaches from other advanced foreign banks, integrate with their own reality, and also with the counter business process reengineering as the breakthrough point to actively develop the reform and important try of counter business before and after separation and the background centralized that have achieved obvious achievements.Agricultural Bank focused on "centralized operation, centralized authorization, centralized monitoring and control" as the point of the reform of the Agricultural Bank operations that listed as "No.1 project" in 2010, and gradually began to popularize within the entire line. Agricultural Bank rationally divided the business process of the main part, and enhance the processing efficiency of foreground transaction and the external marketing service level. Agricultural Bank regarded the efficiency improvement and risk control as their principle that do not complete all business at front desk who can directly complete the business at background, do not complete matters by customers that teller can complete. Agricultural Bank also regarded intensive treatment as principle that process business at the background as far as possible which dispersed at the front desk, tellers do not processing business by themselves which can automatically complete by computer systems. Agricultural Bank is trying to improve its business concentration degree, and achieve its utilization efficiency maximization of resource. With the consideration of efficiency, Agricultural Bank try to complete complex business at background, strengthen the real-time monitoring of the front desk transactions, achieve the tight control from the beginning to the end of the whole transaction, improve the ability of risk prevention. Another principle of Agricultural Bank is reducing cost principle. It makes adjustment in business process, improves business automation processing level, make full use of advantage of the background centralized processing scale, and makes efforts to reduce human resource cost, operation cost and management cost.In this paper, it found out the risks and problems of Agricultural Bank background centralized operation by analyzing the real situation of bank, and put forward measures to prevent risks and the ways to solve the problems, and also provide a reference for other commercial banks about how to build modern and faster commercial bank operating system, to improve management level, to enhance the operational capacity, to promote business development, and ultimately to increase the core competitiveness of enterprises.