Process Reengineering Of Guangzhou Rural Commercial Bank’s Counter Service

With the continuous development of domestic financial industry,the homogenization of the competition of the domestic banking industry is becoming increasingly fierce.Facing the diversified,personalized and flexible customer demand,the traditional counter service process has series of disadvantages,such as cumbersome procedures,high cost and risk control difficulties,which is harmful for the bank to gain competitive advantages.Therefore,only when we change the traditional bank counter service mode with the innovation of information technology,enhance bank product service,risk control,cost saving and internal operation efficiency,can we truly improve the core competency of the bank from the structure.This paper aims to study the feasibility of counter service process reengineering of Guangzhou Rural Commercial Bank.Through the analysis of existing business and management mode,the writer breaks through the tradition of recording transactions by paper materials and introduces the business data visualization and image cutting technology,thus he designs business process by making full use of the advantages of multiprocessing of image data.According to the design idea of front line and back office separation,the writer makes a study on the counter transaction system,operational mode and business outsourcing mode of Guangzhou Rural Commercial Bank,so that he designs the scheme for counter service process reengineering suitable for Guangzhou Rural Commercial Bank,further to discuss the difficulties of implementation and relevant solutions.Through the reorganization and optimization of the scheme of counter service process reengineering,Guangzhou Rural Commercial Bank can make progress fundamentally in the aspects of service,efficiency,cost and risk,realize the target of"client-oriented service" and realize the most optimal efficiency and service with the hypothesis of controllable risk.Meanwhile,the researching problems of this paper will be a new business type for domestic banking industry,which plays an important role in labor form and business development in banking industry.