Commercial Bank Value Chain Restructuring Issues

With the tendency of economic globalization and development of information economy, the external management environment of commercial banks has been changed dramatically. Whether the commercial banks can survive and develop or not is decided not only by their customers but also by competition and change they experience, therefore, the commercial banks in our country have to redesign themselves with process as center in order to adapt themselves to rapidly changed surrounding. To redesign themselves,Appropriate strategy and tactics must be considered, that is to reconstruct value chain and to reform business process, among which information economy not only promote reconstruction of value chain and reformation of business process but also play very important role in it. In this essay, the redesign of commercial bank will be analyzed in two aspects by integration of theory with real cases. These two aspects are described as followed: firstly, to summarize the methods and tactics of reconstruction of value chain meanwhile to abstract the value chain which belongs to commercial bank itself from traditional value chain theory,Virtual value chain theory and value net theory; Secondly, the reformation of business process will be analyzed based on reconstruction of value chain of traditional manufacture and the character of commercial bank.In the second part, the basic theory on reformation of business process will be integrated with the practice of commercial to Point out the problem exists in reformation of business process and finally to implore the way to adapt the commercial bank to ever-changing external environment.