Research Of City Commercial Banks Accounting Business Process Optimization

In recent years, as the market development and economic progress, China’s city commercial banks have entered a new stage of development, the competitive landscape has undergone major changes in the banking sector, due to the nature of the commercial banks operating in much the same product, in the face of more complex under the business environment and increasing the operating pressure of the situation, commercial banks gradually discovered, expanding the operational level and expand business scale is no longer an important means of urban commercial banks to enhance the core competitiveness, and more efficient business processes and better quality will fight for their level of service in the increasingly fierce market competition advantage, seeking status, play an important role. Commercial banks to the most basic customer service is the most important channel is the face to face service, which is counter service. Thus, city commercial banks accounting business process optimization is the whole commercial banks the most basic aspects of optimization.Through the analysis of related works scholars in the traditional division of labor theory, process reengineering, process optimization theory and on the basis of risk management theory to summarize and city commercial banks accounting business process optimization as an entry point to the country in the city commercial banks are currently in use basic accounting business process summary and induction, through systematic analysis, the existence of the current accounting business process business process inefficiencies, business license does not strict implementation of the system is not complete, the operating system is unreasonable, supervision management is not standardized, there are loopholes in the asset management, risk assessment and poor groups and individuals have demonstrated the reality of the problem and to analyze the causes of these problems as soon as possible in order to put forward the completion of the core business focus and attention backstage and front desk sales and by separating the front and back, in order to achieve the current "sector banks" to modernization "process bank" into the feasibility of a method to solve the problem. Thereafter, the application of these measures to the actual operation of Harbin Bank accounting business process optimization, the results of the study to help improve operational efficiency in Harbin Bank, strengthen risk control and cost control and business innovation capability and network function by gradually changing improve customer service experience, to highlight features, enhance competitiveness, to better serve the practical significance of the local economy Ultimate effectiveness of the optimization program explicitly, and provides some ideas or methods to effectively solve the problem over time as more problems may arise in the future.