The Research Of Process Optimization In The Corporation Settlement Business Of A Bank

In recent years, the domestic banking industry has been developing rapidly, and the market competition is becoming increasingly fiercely, Therefore the higher customer service quality and work efficiency becomes a key factor for the bank to win the competition. Corporate business, as an important business pillar, has more precipitation funds and better profitability, so whether the corporation business handling process is high-efficiency, compliance, and customer-focused has become very important. A bank founded in 2007 is a commercial bank which was established on the basis of the original system restructuring, mainly engaged in small and medium-sized enterprises and community service, relying on its characteristic model, to improve the market competitiveness, and to meet the needs of the development of modern commercial Banks, expanding the market product coverage, increasing profitability, so the corporation’s business gets a rapid development. Meanwhile, some problems are gradually exposed, such as the traditional business dispersion model which has not adapted to the development of the current commercial Banks, and its corporation processing efficiency is relatively low. In recent years, A bank actively explores settlement process optimization project, and has made some valuable experience. The corporation settlement business service level has been improved, and the front-line bank teller has less business and the work complexity is reduced which leading to an improved working efficiency and branch’s marketing ability. However, compared to other interbank, implementation of centralized processing pattern time of A bank is shorter, and centralized processing pattern process and standard system is not mature enough, which needs to be further improved.This paper is divided into five chapters. The first chapter mainly introduces the research background, research significance of corporate settlement process optimization, literature review at home and abroad the research thinking and method, and introduces the necessity of business process and re-create business process of the commercial banks. The second chapter mainly introduces the relevant theories of business process reengineering, concepts, and domestic and international trade practice. The third chapter mainly introduces the background of A bank corporation settlement business, decentralized mode points cabinet system analysis framework and shortcomings. And expounds the corporate settlement business handling ability from the aspects of the IT business system processing capability of problem, and puts forward the process and mechanism of dispersion pattern which have been unable to meet the needs of the development of A banking business, and the process should be optimized using centralized processing mode. The fourth chapter mainly introduces A bank new corporation settlement business models that focus on thinking scope, goals, the optimized plan for the implementation of specific content and supporting measures. The fifth chapter mainly introduces the advantages of A banking new system model, risk and risk response. Finally it reaches a conclusion that A bank should continue to push ahead the settlement of corporation centralized processing pattern, and find the optimization strategy and risk prevention and control measures focusing upon their own problems, focus on sustainable development corporation settlement system optimization of the project, improve the corporation settlement central processing system. Looking forward to the future, A bank can consider to build regional processing centers across the province or level of the headquarters of the centralized processing center, processing complexity higher business, in order to further enhance the scale effect, and to improve the processing efficiency. In addition, A bank can further analyzes the central treatment pattern, and further expands for personal business, credit business process, etc., formulate the corresponding process, expand the scope of centralized processing, improve the core ability of comprehensive competition.