Research On Optimization Of Counter Business Operation Mode In Z Securities Company

The brokerage business of securities companies is mainly to provide customers with corresponding business handling and channel services through the business department set up by them.If the business department is the starting point for the development and transformation of the brokerage business of securities companies,then the counter business operation is an important support for the operation of the business department.Before 2015,the securities company's counter operations still is given priority to with traditional offline tall ark,with the influence of the Internet and regulatory policy,to meet the demand of customer diversified services,mobile phone APP,off-site channels such as online business hall started sadly arisen and started on a boom industry,and business to deal with depends on the mode of operation of a physical network is gradually weakening,network geographic protective barriers disappear.Under the circumstance that rigid operating costs such as equipment and manpower drag down profits of traditional large-scale business department,the development path of lightening business department starts to appear.However,the previous decentralized counter business operation mode of each branch office and online and offline operation has been unable to adapt to the development of brokerage business under the new situation.In this situation,how to reduce the operating cost and improve the operation level of counter business under the premise of diversified channels and diversified demands,so as to strengthen the core competitiveness of securities companies has become a research hotspot.Z securities company is a national comprehensive securities company and one of the first securities companies in the industry to obtain the qualification of Internet business pilot.The development of its brokerage business is still dominant.In 2017,the number of clients of the brokerage business of Z securities company has exceeded 13 million,ranking the first in the industry and becoming one of the mainstream domestic brokers.Although the company has made remarkable achievements at the present stage,under the impact of the traditional business model and the Internet,its counter business operation has also exposed its own problems that need to be solved urgently.These questions are roughly summarized into the following five aspects: Second,customers wait in line for a long time;Third,offline business processing time is long;Fourth,the business handling operating system is numerous;Fifth,the system is weak in process automation control.The reasons are mainly from five aspects: first,the effectiveness of business risk management is insufficient.Due to the large number of new employees,high mobility and weak effect of personnel business training,employees' business knowledge and skills are uneven.In addition,risks are dispersed due to the impact of online and offline business management and audit channel diversion.Second,the business can only follow the principle of dependency.That is to say,the business handling capacity of each branch is obviously differentiated,and the traditional decentralized operation mode cannot distribute the pending business to idle tellers during the peak period.3 it is under the influence of various regulatory policy,customer business processes and materials required are more complex than in the past,take longer and on homework link high degree of dependence on paper-based documents,fill in the blanks according to the customer documents and repeat sign interaction link more exist at the same time image scanning not clear have been back many times of single case;Fourthly,the handling system of counter operation increases with the increase of innovative services and products for customers.Five is the counter operating system in the business configuration of the system design mainly adopts the way of menu driver and human intervention.Z securities company can to control the counter business risk,errors and reduce business operating costs,improve business limitation as the goal,and the compliance principle,practical principle and specification of the collaborative principle,from the following several aspects to optimize the current counter business operation mode: one is to establish centralized operation center post.The operation center will fully undertake the business process accepted by all branches,and intensively handle counter business of all branches,so as to strengthen risk control.Second,the integration of the system service terminal.Starting from the system selection,the main focus is on the centralized operation platform that can integrate the service terminals of various systems.The first is to solve the frequent switching of multiple systems in business operation,and the second is to open up the 7*24 service mode that integrates online and offline services.Third,process business model.Under the joint management and control of the operation department and the information technology department,standardized business requirements and business processes are deployed to the centralized operation platform system,so as to realize the change from menu-driven to process-driven mode and improve the timeliness of business processing.Fourth,the introduction of paperless business model.By introducing paperless handling mode with hardware peripherals,the traditional operation links such as paper signature and manual photocopying can be replaced to realize paperless circulation and database storage,and reduce the operating cost of document printing and network storage.The fifth is the separation of background operation mode.Through the reorganization of business process,the traditional operation mode of "one person handling one person review" at the counter of a branch is transformed into a separate new operation mode of reception and background handling,so as to optimize the customer queuing mechanism.In order to ensure the smooth implementation of the optimization scheme of counter business operation mode,Z securities company also needs to strengthen corporate culture,optimize organizational structure,clarify job responsibilities,improve personnel training and performance evaluation system,and establish information security guarantee,so as to better enhance the company's competitive advantages and facilitate the long-term development of brokerage business.