Research On Process Reengineering Of A Rural Commercial Bank

Under the current economic and financial environment,China's banking industry is facing a new round of great changes,commercial banks'ability to respond to market changes and the ability to enhance internal collaboration must be improved.Process bank construction has gradually become inevitable trend of reform and development for commercial banks,and guided their development.Due to the historical and practical reasons,the process bank of rural commercials is relatively late,and the bottleneck of recycling is more than that of other advanced commercial banks.Therefore,it is urgent for rural commercial banks to carry out further restructuring at present.Process bank construction for rural financial institutions has great significance.This paper starts from the theory of bank process reengineering,and makes a comparative analysis of domestic and foreign bank process reengineering.On the basis of the relevant theories of the study,this paper analyzes the problems existing in the process of A Rural Commercial Bank,combined with the commonality of commercial banks' process reengineering,this paper has made the strategic planning of A Rural Commercial Bank's process bank,including development strategy,organization setting,assessment mechanism,information technology support,risk prevention and control and non-core business outsourcing and so on.Then,it elaborates the scheme design of A Rural Commercial Bank's process reengineering,which involves the construction of centralized operation platform,business process reengineering,organizational structure reengineering and customer service reengineering.Using the "small see big" approach,it gives a more detailed introduction to two projects:the remote centralized authorization platform construction and electronic reconciliation,and make a thorough analysis to all aspects and the actual operation of A Rural Commercial Bank.Finally,it gives a summary of the construction effect and experience of A Rural Commercial Bank's process reengineering,and puts forward the proposal of a steady and continuous transformation for A Rural Commercial Bank.