Commercial Banks’ Internal Process Reengineering:Theoretical, Empirical and Design
|Keywords||commercial banking BPR (Business Process Reengineering) valuechain empirical resign|
Entering the21st century, the financial crisis storm swept through a global trend, interbank competition is increasingly fierce, the process reengineering has once again become a hot topic of discussion. For our country, commercial bank to promote their core competition ability, mining potential development capacity of effectiveness. Process reengineering in the past few years, once in various commercial bank internal loudly in a period of time, to a certain extent, to improve the operation performance of commercial Banks in China has played a key role.This paper summarizes the domestic and foreign bank process reengineering theory and practice, collect the our country commercial bank business process reengineering is the full and accurate data survey, and be careful analysis, and then further detailed discusses the bank reconstituted core content and basic strategy, and finally on the analysis of the present situation at home and abroad on the basis of commercial Banks, and puts forward the small and medium-sized Banks especially city commercial bank, to make the market localization, the good little micro enterprise this dish chess, must want to emphasize the credit business process, accounting business process and comprehensive risk management processes three aspects to carry out process reengineering.This paper elaborates the main bank process reengineering theory, the analysis of the transformation of the advantages and disadvantages exist after the proposal of building a city commercial banks meet to deepen the topic of process reengineering, and then were statistical and process design from the perspective of the development of the commercial banks to complete process reengineering design methods, the objective of the banking sector to grasp the bank management quality, reasonable assessment of business decision-making has a valid reference value.I worked in the commercial bank for many years, bank process reengineering is very interested, have experience the bank of process reengineering the process, bring commercial Banks the ascension and convenient. At present China’s commercial Banks have more or less experienced the process reengineering, but there are still a management mechanism and management system and bank development doesn’t adapt the problem, so the bank business process reengineering will become a eternal topic, train long new. Therefore, I choose this topic, combined with their own experience, put forward our country commercial bank especially city commercial bank business process reengineering to continue the simple idea, hope to be able to guide the practice.Overall, the bank mentioned in this article BPR design still in its infancy, using traditional statistical analysis tools and technical methods. And because I limited the theoretical level, the relative lack of empirical analysis, the results of usability and reliability remains to be further tested and constantly improve the practice, but also requires a lot of survey data supplement.