Research On Process Bank Construction Of ZL Bank

With the advent of the era of Internet and big data,financial reform is deepening,and financial innovation is booming.Modern finance,represented by alipay,WeChat payment and even online banking,makes the advantages of "down-to-earth" and "geographical affinity" of urban commercial Banks gradually fade,and the customer loss rate of traditional outlets gradually increases.At the same time,in recent years,the supervision of the banking industry has become increasingly strict.From "two reinforcement and two containment looking back" to "three violations,three arbitrage,four improper" and "market chaos",the on-site and off-site inspection of the banking industry has been continuously strengthened.Born out of urban credit cooperatives,ZL bank has disadvantages such as small scale,weak management foundation,large historical burden and poor risk resistance.In short,business is restricted by internal and external factors,development has reached the bottleneck period.If we do not accelerate the pace of reform and innovation,we may lose in the fierce competition.This paper takes ZL bank as the research object to study its process bank construction.First,ask questions.Based on the background,significance and theoretical research process of the process bank construction,this paper leads to the reason why commercial Banks should carry out the process bank construction.Second,analyze the problem.First,it analyzes the specific problems existing at the current stage of ZL bank,such as unclear business processes and frequent violations,which have seriously restricted the sound development of ZL bank.Secondly,it expounds the feasibility of ZL bank's process reengineering from the aspects of the simplification of the organizational structure,the improvement of the overall quality of employees and the emphasis from the senior leaders.Third,the paper analyzes the difficulties in ZL bank process bank construction,such as: the risk management mechanism is not sound,the compliance assessment mechanism is not scientific,and the information system is not strong.These problems are the key aspects to be considered in future design.Third,solve the problem.This is the core chapter of thispaper.Through the detailed analysis of the successful cases of the process bank construction of domestic and foreign commercial Banks,the advanced experience is used for reference to provide an important reference for ZL bank's scheme design.ZL bank process bank construction scheme mainly involves four aspects :(1)clarification and decomposition of strategic objectives;(2)adjustment and refinement of organizational structure;(3)reengineering and optimization of key business processes;(4)reconstruction of management system based on business process.At the same time,this paper proposes relevant safeguard measures from three aspects of building process bank culture,increasing resources investment and strengthening process institutionalization,so as to ensure the smooth implementation of ZL bank process bank construction scheme.Research process in this paper,the ZL bank construction,using the relevant process reengineering and the balanced score card of the professional theories and methods,not only for the ZL bank provides targeted to explore the transformation of the development,and for other small and medium-sized Banks try from the department of the bank to process the bank,provides the implementation of systemic thought,there are quite a strong reference value.