Research On Process Improvement Of Corporate Settlement In China Postal Saving Bank Xinbin Branch

In recent years,with the rapid development of international financial industry,the financial market is changing rapidly and the market competition is becoming more and more fierce.The traditional business model is no longer adapted to the development of major domestic commercial banks.The key to win in the competition is to seek new development ideas,to study more efficient,more adaptable to the current capital market and the diversification of customer needs.The company's business is one of the core banking business,the profit contribution occupy the majority share,although the retail business by banks as a key business development in the future,but at least three years of business will still occupy the banking irreplaceable position,company business persons in the world.It is an effective way for commercial banks to build up their own development space under the complicated and changeable market environment,to create efficient and compliant business network,and to improve the service efficiency of public service.Business process plays an important role in the operation of commercial banks,and the optimization of business process is one of the key factors to improve the competitiveness of commercial banks.The postal savings bank China is only a large state-owned bank,36000 service outlets throughout the city,including the business of nearly 4000 outlets,but the postal savings bank to carry out corporate settlement business for a short time,in the process of corporate settlement business processes are not standardized,widespread lack of innovative products,settlement tools,targeted for target customers poor,business takes too long,the lack of effective risk control management system and other issues,resulting in the loss of target customers.This paper first introduces the current Xin Bin branch post office bank,analyzes the existing problems of settlement business process and the causes of problems.Secondly introduces the business process optimization scheme design principle,specific content and optimizing scheme implementation and expected to reach the effect of process optimization.The last is the safeguard measures of the implementation of business process optimization scheme,including the plan before the start of the preparation,supervision and management mechanism effectively,improve the communication and reporting mechanisms,as well as the risk of business process optimization measures and so on.This article research results to the post office bank business healthy and rapid development,to enhance the efficiency of services,risk prevention and control ability to strengthen has important practical significance,at the same time for other bank company business process optimization also has a certain reference.The optimization conform to the post office bank Xin Bin branch of strategic development needs,is also a post office bank Xin Bin ascension branch company business service efficiency of the effective ways.