A City Commercial Bank Implements A Centralized Operation System For Back-office Business

With the benefit of advanced Internet technology in recent years,the competition in the financial marketing is growing increasingly tense due to the rapid development of Internet Finance.The bank process reengineering(BPR)was been introduced into domestic commercial bank under such background,becoming one of the most essential revolution and innovation.Bank A had remoulded its operation system,aiming to build a new operation system by learning from international successful practice,in order to expedite the transformation of operation by cooperating development strategy in 2013.The thesis focuses the centralization operation model of Bank A as the research object.By analyzing the research background and practical significance,main content was ascertained at first with the framework,then followed the theoretical support by presenting the general and practice research situation domestic and overseas.The construction of centralization operation model of bank A was introduced in detail in the third part,including the basic situation of bank A,the existing problems during the early operating stage,the introduction of front-back desk separation system and so forth,which illustrates the necessity of application of centralized operation system in improving operation quality and efficiency.Without doubt,the process of construction and function has its drawbacks that was explained by the existing problems during the operation of centralized model in bank A,mainly consisting the failure of reflection of centralization operation in peopleware,operation structure,and IT configuration.Suggestions of centralization operation model were given in the next part after combining the advanced management of international commercial banks with development tendency in banking operation.In the end,the conclusion of the thesis and the outlook of the future operation were demonstrates with personal recommendation.Taking customer structure,business structure,personnel quality as well as technology support into account of small and medium-sized commercial banks,especially the municipal ones,and yet,it is still a valuable and worth thinking research issue whether there is necessary for centralization operation in these banks.