Research On Process Optimization Management Of Personal Finance Business About Bank Of Changsha

Bank process optimization is with the aid of modern information technology,adhere to the customer as the center for the principle, fundamentally reform theexisting commercial Banks, the traditional business process and organization structure,the bank management idea, value idea, working train of thought and the managementpattern to change, improve the core competitiveness of commercial Banks of a newmodel of reform. For commercial Banks, the bank of personal finance business hasbecome its to adapt to changes in market demand, improve customer loyalty, enhancethe core competitiveness of the bank one of the core business. Personal financialmanagement business competition has simple competition from low-cost, highvalue-added become customer oriented brand and competition process. In this paper,by using the theory of process reengineering, Changsha Bank of personal financebusiness process optimization, break through the existing mode of personal financebusiness development, individual financing busine ss development characteristics,makes the continuously improving customer value the personal finance businessprocess.First of all, the paper studied the bank’s personal finance business of the externalenvironment and competition situation, the personal finance business managementand the status quo of the process and effect evaluation, it is concluded that the bankpersonal business process of the analysis; Then, the analysis points out the necessityof process reengineering the bank, determine the process reengineering andoptimization method and train of thought, and put forward specific processoptimization scheme; Again, according to create positions according to the businessprocess the idea of placement on the basis of process optimization scheme p lan,proposed the corresponding organization structure adjustment and the front, middleand background of organization optimization is studied; At the same time, from thetwo aspects of product information system and service information systemoptimization scheme of management information system was put forward, and thelinkage of two system research; Finally, the article from the personal finance businessprocess reengineering into the whole development focus strategy, the comprehensiveconstruction, optimization, widen the channel of the personal financial managementbusiness, personal finance business for the construction of professional team and the customer information system and product service system construction from fouraspects of process optimizat ion of the safeguard measures are put forward.Article studies suggest that changsha bank should according to the direct valueprocess, supporting process and management process value in three aspects combingexisting personal financial management business process, make to the "customer asthe center" the personal finance business of the whole process of PDCA circulationand KPI management system; Set up MO type organizational structure system, buildin the former, the background) organization and management system; Construction ofa comprehensive financial business integration management information platform.The article research content to study the optimization of business processmanagement as the center, covering organizational structure adjustment, hum anresource management, information system and other supporting measures, of the sametype, same size Banks.