Study On Retail Loan Business Process Reengineering For Postal Savings Bank In Shenyang City

Golden decade of Banking has passed,under the market-oriented interest rate spreads quickly narrowed,financial disintermediation,the Internet has intensified competition.Business environment to improve slowly,in liaoning province GDP negative growth for three consecutive years,capital market may appear shortage of "assets" and "money shortage",enterprise repayment willingness and ability to continue to reduce.In this environment,many Banks seek strategic transformation,the "big retail" as the transformation of one of the key direction.In finance,commercial bank management of money and credit with homogeneity,trade actually comes from the differences between their respective business processes.Business process of the customer experience and user efficiency has become the important factors that affect the market competitiveness,therefore,an indispensable role in the business process reengineering,is one of the important training bank core competence strategy,can greatly promote the improvement of operating performance.In order to improve the post office bank shenyang branch of retail loan business work efficiency,improve customer experience,at the same time do a good job in risk control of quality,eventually improve the core competitiveness of market goal,the study of business process reengineering is very necessary.In this paper,on the basis of Internet explorer and BPR theory,to the post office bank retail loans business process reengineering,points link scheme of business process reengineering.Postal Savings Bank in Shenyang City since its inception on March 12,2008,adhere to the "heart is urban and rural people,do the best retail bank" of the enterprise purpose.This article attempt to post office bank shenyang branch retail loan business design basic framework and realization of the business process reengineering,aims to explore to solve our present business development "bottleneck" of retail loans,tries to deeply analyze the existing transaction process with industrial engineering method and organizational structure,and find out the restriction factor of the business development,through business process reengineering work perfect process system.First of all,the paper carding the business process reengineering in literature and relevant theories at home and abroad,are introduced and the post office bank shenyang branch retail loan business and the basic situation of the business process management status;Secondly,through the analysis of the actual operation of retail loan business process,summarized in a business process in the management problems,5 w1 h analysis method was used to study the cause of the problem;Then,clear retail loans of the principle and the goal of the business process reengineering,on this basis,respectively of former loans,loans,credit after the link for the design of business process reengineering scheme;Finally,to determine the business process reengineering work personnel arrangement and implementation procedures,respectively from two directions of human resources and capital reconstruction scheme implementation safeguard measures are put forward.In this paper,we study the innovation point lies in the combination of bank at present actual situation,the advanced experience of domestic and foreign trade,and puts forward the existing process into a "credit factory" business process model,to fundamentally solve our retail loans business development "bottleneck" of the business,and the greatest degree by means of science and technology,optimize the traditional business process,improve business efficiency and quality and upgrading existing systems use and customer experience,to ensure that the market competitive power,to "be the best retail bank" to contribute to business goals,also provide communication material for trade related theory research.Postal Savings Bank in Shenyang City of the retail loans business through this business process reengineering,will be implemented by the department of "bank" to bank a "process" part of the transformation,realize effective integration and utilization of information,take the customer as the center in the business process,improve business efficiency at the same time providing customers with more comprehensive more convenient services.