The Research Of Enterprise Level Intensification Operation And Management Of Bank A

With the rapid development of economy and society,the wide application of information technology has rapidly revolutionized the way of social production,the emergence of new models and new forms of financial services,the pressure of bank operation services has gradually increased,the demand for comprehensive and multi-functional services of bank customers has increased,and the requirements for efficient processes,agile responses and customized services have been put forward.However,most commercial banks lack horizontal integration on the homogeneous matters of business centers and specialized organizations in the background.In order to adapt to the changing business environment,reduce operating costs,improve customer experience,and achieve strategic transformation and business development,the intensive operation and production mode of commercial banks has become a trend,and commercial banks have started the intensive operation transformation.The intensive operation of Bank A started early.Its business scope has evolved from the original separation of business in front of and behind the branch counters to support multi-channel business processing.It has achieved the group service of enterprise-level,cross-line,cross-level and cross-regional operational matters.In recent years,the business composition of enterprise level intensive production and operation of Bank A has undergone great changes.On the one hand,with the migration of business processing channels from offline to online,the counter business volume of outlets has shown a rapid downward trend.The growth of business volume in traditional business areas is under pressure.The development of intensive operation has passed the explosive growth period of business volume,and the "first development curve" has reached the top.Then it entered the transformation and development period of the "second curve".On the other hand,at this stage,the intensive operation mode has encountered problems such as the systematic risk brought by the application of new technology,the pressure of production continuity caused by physical concentration under the epidemic situation,and the urgent need to strengthen the digital operation capability.How to proceed with the next transformation has become a problem to be solved for the future development of enterprise-level intensive operation of Bank A.This thesis first introduces the history and background of intensive operation of commercial banks at home and abroad.Starting from the enterprise-level intensive operation of Bank A,it gives a detailed explanation and explanation of the theory of intensive operation of banking in China,the definition and progress of relevant professional terms,and defines the concepts,characteristics and modes of enterprise,business process re-engineering,cloud production and digital labor force.This thesis analyses the development and trend of intensive banking operation in China.Then analyze the necessity of implementing enterprise level intensive operation of Bank A.Through the research on its process design and centralized level design,analyze its production and operation mode,sort out the implementation status,and describe the current intensive degree,business processing field,and implementation effect.Analyze the difficulties and challenges faced by Bank A in practice at present,and propose the problems existing in the intensive operation mode at the present stage.Finally,through the analysis of the implementation status and challenges of the research cases,combined with my own work experience,explore relevant improvement strategies and safeguards,including the transformation from labor-intensive to technology intensive,the establishment of a ladder backup mechanism for emergency operators,and the improvement of customized service capabilities,which has reference significance for other commercial banks to implement intensive operation and deepen the reform of operation mode.