Study On Operation Transformation Of A State-Owned Commercial Bank In Ningxia From The Perspective Of Business Process Optimization

At that time,with the development and popularization of information technology,the business environment of China's banking industry underwent great changes under the background of the new normal economy.The operation mode of the traditional financial industry has been unable to meet people's demand for financial products and services.The bank transformation development is extremely urgent.With the continuous development of Internet technology and information technology,the wide application of big data,cloud computing,Internet+and other scientific and technological means in the financial field makes the operation mode of Banks gradually shift to "centralization".In order to adapt to the changes of economic environment and accelerate the transformation of bank operation,the author studied the operation status of a state-owned commercial bank in ningxia by means of statistical survey,literature review,in-depth interview,qualitative and qualitative analysis.The whole research process through to its existing business process,find out the operation mode of the bank's existing unreasonable personnel responsibility,intelligentize degree is high enough,the problem such as "centralized" the effect is not obvious,and the problem of influencing factors are analyzed,based on the results of the study site each post staff ratio,ratio of self-help tools,basic business processes.Finally,it helps the commercial bank to improve operation efficiency and profitability.In this commercial bank transformation development process provides the effective reference and the suggestion.In the research process,combined with the relevant results of the research on the operation transformation of commercial Banks in China and the operation status of commercial Banks,a set of methods to promote the operation transformation of commercial Banks through business process optimization is explored.At the same time,according to the research results,the business process optimization measures of a state-owned commercial bank in ningxia were formulated to provide effective reference and Suggestions for the operation transformation of the state-owned commercial bank.At the same time,it also provides a reference for the transformation and development of other banking financial institutions.This research has certain practical significance for promoting the transformation and development of China's commercial Banks and deepening the reform.