Research On The Bank Processing Of City Commercial Banks To Implement The Scheme

With the change to accelerate the pace of financial innovation, financial development pattern. The concept of process bank by China CBRC Chairman Liu Mingkang in2005October in the "First Shanghai Banking Compliance Years Proposed Meeting", changes in domestic banking mode of process bank is from the concept evolved into reality, is a domestic commercial bank’s future development direction.Process bank as a new model of banking is take the customer as the center, business process reengineering, and then based on business process reengineering organizational processes, management processes and decision-making process center, and finally in the end and high-end market decision set up for customers,"tailored" and "one vote through" business and service process. Process bank stressed that in accordance with the lateral setting process, in accordance with the procedure set up the department. The banking sector is in accordance with the former, in the background, the strict separation set. Wholesale and retail banking division as the bank department, risk management, compliance and operations of banks, in the background. Human resources, financial and IT technology is the guarantee of effective operation, in the background, support department. Can say, the traditional "process Bank branch bank" is a subversive transformation, and the modern computer technology and information technology is the basis of process bank building.City commercial banks because of starting late, weak economic foundation, development is slow, in the capital, technology and talent reserves, behind the large state-owned banks and joint-stock banks, informatization construction is relatively scattered and backward, isolated islands of information between various systems of the form, in the process of bank construction with no clear standards and experience, in order to to better promote the transformation and development of city commercial banks, promote the business innovation, promote the City Commercial Bank of the brook no delay construction of process bank work. In this paper, the cause of process bank, comparative analysis of construction process of Bank of China and foreign countries, from the development of the city commercial bank’s vision and itself, explore the pattern and route of small and medium-sized banks construction of process bank, puts forward the ways and steps of the development of City Commercial Banks in different construction of process bank of.First of all, this paper puts forward the background and significance of the research, introduces the relevant theory and research at home and abroad, through the analysis of the disadvantages of traditional bank and process bank advantage describes the necessity of the construction of process bank. Process bank advantage in performance, one is to replace the functions of management of process management; two is to replace the Pyramid type of organizational processes to the flat organization process, can give full play to the role of individual in the whole business process; three is for the customer to integrate business processes, can make full use of IT technology contradiction between decentralization and centralization. Transformation and implementation of each function advantage, all reflect the process bank is advanced and unique advantages than the banking sector.Then, based on domestic and foreign construction of process banking was introduced, the City Commercial Bank of the construction of process bank obstacles from the internal and external factors. City commercial banks because of starting late, weak economic foundation, development is slow, in the capital, technology and talent reserves, behind the large state-owned banks and joint-stock banks, informatization construction is relatively scattered and backward, isolated islands of information between various systems of the form, in the process of bank construction with no clear standards and experience, city commercial banks have promoted the construction of process bank nearby, but the construction of years still exist many obstacles. Then, city commercial banks based on the suggested differences in the construction of process bank is proposed. Analyzes f. Analyzes from three stages of construction of process bank, should be in accordance with the "overall planning, step by step, to promote the implementation of the strategy, distribution", according to the first introduction, absorption, the continued optimization of phased construction, efforts to achieve the transition to the modern bank.