Research On Strategy Of The Construction Of Process Bank For SDA Bank

With constant development of financial liberalization, financial integration and financial electronic, the competition in finance is becoming creasingly fierce. Based on the basic thought, process reengineering, the bank reengineering was proposed by American bankers in nineteen nineties. The new pattern required banks to design the bank management mode and business process, to gain sustainable competitive advantage instead of the old function division of labor, with information technology.The thought of process bank construction is a new reform model that rebuilding the banking business philosophy, common values, working mode and management mode to enhance the core competitiveness of banks comprehensively. According to customer focus, it rebuilds the existing business process and organizational structure, with the power of modern information technology. It is analyzed the problems of building process bank of SDA, put forward the method, channel, and safeguard measures of process bank construction in the thesis, based on the analysis of present situation of SDA. In this thesis, the main conclusions and innovations are fore parts.Firstly, business process reengineering is the core of process bank construction, organization structure reengineering is the important basis of bank reengineering and enterprise culture reengineering is the important guarantee of bank reengineering, three of them are Basics of process bank construction. Business process reengineering content includes the business process reengineering, the credit management process reengineering, retail process reengineering, and product innovation process reengineering.Secondly, because of the SDA Bank existing business processes have not matched of the new process bank, that have been designed to fit old organization structures and needs. The new process needs customer focus instead of the internal principle of convenience, the process center principle instead of sector center principle, and technology revolution principles instead of technology application principle, to establish a simple, efficient, differentiated, and e-business processes.Third, according to the general requirements " longitudinal compression, horizontal integration ", the process of SDA Bank would been rebuilded. The focus is that the first branches and the second branches will be merged into one management structure, reasonably determine responsibilities the front, middle and back of departments, exploring the matrix or division structure.Fourth, to construct of IT and a new generation core business system, the system shall be in accordance with the direction of the SDA bank reform and development. According to process bank construction requirements, the needs of customers, it must consider the business, customer service, product, the management and risk control as a whole.