On The Research Of Process-oriented Bank Construction In M Rural Credit Cooperatives

Economic growth in China is facing a transformational challenge at present.The reforms of market-oriented interest rates have been completed in the main.Meanwhile,Internet finance is developing rapidly and the diversified competition of rural financial market is growing fiercely.With the changing of financial and marketing situation as well as customer consumption patterns,it's not good for the development of rural credit cooperativeses if administrators still use the old way to manage the enterprises.The construction of process-oriented bank which is advocated by China banking regulatory commission is used to deal with marketization.Therefore,it will force the small and medium-sized banks in China especially rural credit cooperativeses to be alterative and creative in order to deal with the fierce market competition actively.Process-oriented Bank is a new administration mode which is customer-focused and market-oriented as well as taking benefits as it's goal.It will remodel the operation and administration of the banks so that the banks can offer convenient and high-quality service.The paper takes M rural credit cooperatives as an example.In order to analyze the current situation and existing problems of M rural credit cooperatives deeply and to find out its problems,the paper uses methods such as the literature research method,the method of theoretical analysis according to the reality,the lean management and the six sigma management by analysing successful examples of process-oriented bank construction and using the application achievements both in China and abroad.And finally,it will help to come up with strategies for M rural credit cooperatives which is customer-focused and market-oriented as well as taking benefits as it's goal.It will also help M rural credit cooperatives to be efficient,advanced and operational strongly by process reengineering,structure remodeling and management system reconstructing.Moreover,it will help to increase the efficiency of the operation and improve market competitive capability.Researches and literatures in regard to process reengineering mostly aim at researching large-scale commercial banks both in China and abroad at present.On the contrary,there is hardly any researches about process reengineering aiming at researching small and medium-sized banks not to mention rural credit cooperativeses.The paper aims at Providing reform strategy for some rural credit cooperativeses and small and medium-sized banks which are trying to get promoted by reformation.In addition,the paper also aims at offering reference for the construction of process-oriented Bank.