Research On Process Bank Reengineering Of Zhenhai Rural Credit Cooperatives Union

In the past sixty years, around the clear property right, the goal of reform, China’s rural credit cooperatives has been reformed many times. At present, China’s rural credit cooperatives still exists imperfect corporate governance structure, market positioning is not clear, the product a series of problems such as monotonous type scarce, this restricts its support "Three rurals" to play the role of. With China’s rural economic development, the rural economic development imbalance, inevitable meeting on rural financial service of diversification and the personalized demand. As the main force in rural finance and the rural credit cooperatives reform requires even more urgent, the reform mode has become the primary problem to be solved. In view of the rural economy of our country region development not balanced, our country rural credit cooperatives operating mode selection should adhere to the principle of suit one’s measures to local conditions. In view of this, this article from the town of rural credit cooperatives development course proceed with, in depth analysis of rural credit cooperatives existing operation mode existence main question and in the reason foundation, uses the questionnaire survey way, draw lessons from other commercial bank development model, research the Zhenhai rural credit cooperatives should choose the mode of operation -- Process Bank, and put forward the the concrete steps for the construction of process bank, in order to realize the steady sustainable development.This article from the rural credit cooperatives operating mode reform mode selection, i.e. process bank this angle to undertake relatively detailed research. Through the establishment of research perspective, defined rural credit cooperatives operating mode and the related concepts, in revealing the mechanism’s foundation, proposed the establishment of sustainable development of rural credit cooperative operation innovation——Process Bank from the perspective of conceptual framework. At the same time, using the questionnaire form, to launch the analysis of zhenhai rural credit cooperatives union, discusses the operation mode status, existing problems, causes and challenges. In the basis of analysis, discusses the operation mode of the reform of Rural Credit Cooperatives--Process Bank, and for the sustainable development of rural credit cooperatives operating mode innovation puts forward concrete proposals. This paper argues that the process of bank’s characteristic is take the customer as the center, to business line vertical operation and management in the backstage before separating from each other, restrict each other, to the process of implementation of internal control, in order to implement the business unit longitudinally oriented matrix assessment methods, the centralized operation and management, the business process oriented, department responsibility to business process need, streamline business processes, to achieve business process automation, informatization, standardization and intelligent. Accordingly, this paper analyzes the process of bank reform basic steps, namely, a clear strategic planning, product analysis and process optimization, organizational restructuring, the establishment of a comprehensive risk management system, to improve the human resource management, information technology and business enterprise culture reconstruction. The article emphasizes pointing out, rural credit cooperative process bank should fully understand the complexity of process bank under the premise, insist on and strengthen the unified leadership, promote the renewal of ideas, focus on the design, the overall deploy, step by step, phase breakthrough, at the same time using the international experience for reference and combining the national market, take integrated incremental strategy sequence.