The Diagnosis And Strategies For Financing Management Business Process Of F Rural Commercial Bank

With gradual lifting of the deposit interest rate ceiling in recent years,the banking industry has entered the real interest rate liberalization age formally.The interest margin is being narrowed,and the profit margin of the banks' traditional business is being compressed continuously.Moreover,the global economic slowdown has posed further pressure to the real economy,which increases risks of the banks' traditional credit business.The banks' nonperforming loan rate rose to 1.67% in 2015,an increase of 0.42% over 2014.Meanwhile,with continuous growth of Chinese families' fortune and promotion of their financing awareness,a huge market has been formed.Against such a background,it is of great significance for the future's sustainable development of a bank in its strategic transition phase to develop the financing business vigorously.However,a commercial bank cannot develop financing business rapidly without a scientific and rational flow.Based on researches on the bank reengineering and financing business both in China and aboard,this paper has explored the optimized plan for the financing business flow of the rural cooperative finance institutions to help promote their financing business flow efficiency,accelerate the transformation,and lay foundation for further development of the financing business.In this paper,theories of flow reengineering have been studied and the concept of the commercial banks' financing business has been defined first;then based on analysis of the organization structure and the business flow of F Rural Commercial Bank's financing business,problems with the bank's financing services have been explored after interviews with the bank personnel;finally,reasons for these problems have been analyzed through the flow control value embodiment model,the optimization measures have been studied,and the optimized flow has been analyzed.Research of this paper has focused on diagnosis of the current financing business flow and the flow optimization measures.Currently,there haven't been many researches on optimization of the financing business flow.However,with increase of the national wealth,the financing business market will tend to be fiercer.Rapid development of the financing business will surely rely on the smooth business flows.With the example of F Rural Commercial Bank,this paper has studied the financing business flow optimization for rural financing institutions in a bid to make certain contributions to development of this field.