Research On Effect Evaluation And Scheme Optimization Of JS Bank Cloud Production Model

In recent years,the financial environment at home and abroad has become increasingly severe and complex,and commercial banks have encountered severe challenges.The original business management mode and mechanism have been difficult to adapt to the changes in the external situation.In this context,commercial banks have moved from the trend,starting from the rapid expansion of the extensive mode to the intensification mode of improving the quality and efficiency of development.JS Bank is the representative of large domestic state-owned banks and a mode of domestic advanced commercial banks.The bank has been at the forefront of the development and operation of intensive platforms.Based on China's national conditions,it has independently developed a new production mode-"cloud production".The so-called "cloud production" is to complete the production task on the "cloud",the "cloud" is located in the Internet(mainly refers to the intranet LAN and customers enter through JS bank online banking or mobile banking),and the users and the public in the industry only need to open the "cloud connection".Computer or mobile phone,you can get production tasks,this mode breaks the time,space,personnel constraints,make full use of the total branch production resources,optimize the bank's resource allocation,is a breakthrough and strategic operating mode.This new mode enables logical concentration,physical dispersion,and open sharing based on centralized processing.The cloud production mode is a new type of operational business mode.It relies on Internet technology to connect the supply and demand multilateral groups and feature cloud operation services.It establishes a new type of operational business based on cloud collaboration and with high flexibility and adaptability.The mode realizes decentralization and de-boundation,can meet the needs of various participants,promote cross-border integration,explore new growth points,achieve innovation and efficiency,and enhance the market competitiveness of JS Bank.It realizes flexible configuration of production tasks,personnel,site and time,and is a“decentralized”production operation mode innovation based on centralized processing.This paper first introduces the background,strategic planning steps,basic structure,content and characteristics of the JS Bank intensive operation system.Secondly,it focuses on the analysis of the new cloud production mode in JS Bank's intensive operation system,and combines the current status of JS bank cloud production mode to deeply analyze the cloud production mode,and compares the performance of cloud production mode and original production mode to analyze the effectiveness of the cloud production mode and the release of capacity.Thirdly,it analyzes the problems and deficiencies existing in the operation of the cloud production mode.Through the methods of questionnaire survey and analysis of the survey conclusions,and the path of studying the development of the cloud production mode to the out-of-plane development,the A set of effective optimization solutions.Specifically,the cloud production mode of JS Bank's intensive operation system has achieved unprecedented success compared to the original network point decentralized production mode,the release of production capacity is obvious,the business processing time is shortened,and customer and teller satisfaction has been greatly improved.However,there are still many problems and deficiencies in the operation of the cloud production mode.The main problems are as follows:In terms of personnel,the cloud production personnel are insufficient,and it is difficult to continue the need for more diversified businesses.In terms of costs,the results of enabling the cloud production mode to reduce staff and increase efficiency have not been fully reflected.In terms of efficiency,and the large amount of outsourcing business expenses and other expenses each year,the utility has not been maximized.In view of the above-mentioned problems of JS Bank cloud production mode,this paper designed a optimization scheme for the out-of-band crowdsourcing mode of JS Bank cloud production mode through a series of questionnaires.The main optimization ideas include making full use of the social fragmentation production efficiency and achieving a cycle of production and marketing benefits.Add interesting elements to product service marketing promotion and enhance marketing effectiveness;The prize income is used to attract marketing tools and effectively assist customers.Enhance the strong binding relationship between customers and other channels of JS Bank;Positioning the product service promotion experience platform and the practical exploration of the platform business mode.In accordance with the above optimization ideas,the supporting optimization plan has been carefully formulated:In terms of bank internal management optimization,the JS Bank's branch should cooperate with financial resources,data analysis,technical operation and maintenance,and transportation management services to provide support.In terms of customer marketing optimization,in order to give full play to the production and marketing benefits of cloud pet games,and ensure the effectiveness of cloud pet promotion,the work will be carried out in an orderly manner using partial pilot-verification summary-full promotion work.Boldly explore,carefully verify and verify the applicability of target users.]Analyze users,accurately locate,and achieve accurate marketing case studies;At the same time,make a summary and realize that "there is planning,experience and communication,and cases can be copied".In order to ensure the implementation of the optimization plan,a series of implementation strategies for the optimization plan have been formulated,including:from the perspective of the head office,the organization promotes and carefully deploys carefully;Strengthen publicity and promotion,and carry out joint marketing;Seriously organize learning and do a good job in personnel training..From the branch level,we will unify our understanding and strengthen promotion;Strengthen assessment,full action staff;Strengthen communication and continue to optimize.From the perspective of customer marketing,all-channel and multi-dimensional,and achieve all-round publicity;Dig deeper into customer characteristics and develop precise marketing.Link product marketing and gain insight into user behavior.Finally,according to the implementation of the relevant optimization plan,collect data,analyze the effect,carry out corresponding strategy adjustment and the next step of action arrangement.