The Research About Operation Mechanism Of Rural Commercial Bank’s Reengineering

With the rapid development of rural economy, the rural financial needs presentdiversified, hierarchical characteristics, the single and lagging mode of financial supply isincreasingly difficult to meet the farmers’ demand for financial services. Rural commercialbank as the main body of rural finance, has been followed with “sector bank” managementmodel, there are some defects, such as the fragmented processes by the department, thesuperposition of management-level, the absence of risk management, etc. Therefore, buildthe rural commercial bank into process bank becoming a necessary and urgent task.In this article, there is a difference from the previous single research perspective, fromthe perspective of system theory and process bank theory, comprehensively analyze theoperating mechanism of the rural commercial bank, focus on the construction aboutcustomer-centric marketing mechanism and comprehensive risk management mechanismof the rural commercial bank.In this paper, on the basis of the review of relevant research results, first of all, basedon the dissipative structure theory, combined with the characteristics of the process bank toanalyze the operating mechanism of the rural commercial bank; Secondly, based on thetheory of enterprise value chain, to build the differential marketing mechanism of ruralcommercial bank; Finally, based on the theory of process bank, respectively from thecorporate governance mechanism of risk management, risk pre-warning mechanism andperformance evaluation mechanism etc., to make a plan for the comprehensive riskmanagement mechanism of the rural commercial bank, and combined with the empiricalanalysis of BH rural commercial bank, put forward the corresponding countermeasures andsuggestions for the optimization of the operating mechanism of the rural commercial bankin the process bank perspective.The completion of this paper is a try to combine the theory of process bank with thepractice of rural commercial bank. With the improving status of the rural commercial bankin rural finance, and the development of information technology, in this paper, under theperspective of process bank, some countermeasures and suggestions proposed will have theopportunity to put into practice. Through process optimization, organizational and culturalreengineering and the mechanism of innovation to improve the competitiveness of rural commercial bank is still a desirable, feasible and meaningful direction.