Research On The New Mode Of Z Bank's Capital Settlement Business

As one of the three traditional functions of commercial banks,capital settlement business is an important part of bank capital business.This business refers to the backstage service that commercial banks provide customers with liquidation of financial products and revenue confirmation based on the client's entrustment and the advantages of their own specific systems or service channels.To a certain extent,its business efficiency and liquidation form restrict the development of banking business.With the development of global economy and the progress of Internet technology,commercial banks can no longer rely on the traditional deposit and loan model as the main growth point of profits.When adjusting their business strategy and seeking new living space,intermediary business represented by capital business occupies a more and more important position in the overall development layout of commercial banks.It's important.In order to ensure the normal development of the business,there is a higher demand for the background settlement of capital business,whether in terms of timeliness,flexibility or professionalism.In the fierce market competition,what kind of fund settlement mode can meet the needs of Z bank business development? How to achieve the goal of improving business efficiency,reducing operating costs,controlling regulatory risks and providing customers with better and convenient services through business process optimization? This is the problem that this article wants to explore.In this paper,Z Bank's fund settlement business as the main research object,using normative analysis,empirical analysis,questionnaire survey and other analysis methods.Firstly,it briefly reviews the development process of Bank Z,focuses on the analysis of the current fund settlement business model,and demonstrates the necessity of centralized processing model under the current business background.On this basis,the existing business problems are analyzed,and a series of urgent problems are summarized,such as the low level of automation,the difficulty of linking business links,the unbalanced supervision and innovation,the lack of integrated development of different products,the mismatch between business development and customer needs.Then,through the survey questionnaire,the business needs of customers are classified and summarized,four aspects affecting customer experience are summarized,and corresponding solutions are put forward.Finally,through the discussion of the above two chapters,aiming at the key issues of fund settlement business and customer needs,with the helpof the concept of process bank,a new settlement model is proposed.This paper improves the current fund settlement business model by designing the management department of the business regional processing center,the fund business regional processing center,the transaction transmission channel between the fund business processing center and the customers,and points out the way to realize the new business model.In recent years,researchers have tended to study the banking capital settlement business in the market expansion,and seldom start with the model structure to conduct a comprehensive demonstration and analysis.It is hoped that this study will provide a reference for the development of bank settlement business.