Suggestions on bank operation and management 1 (1) focus on business operation, highlight key points, and take practical and effective measures to promote the rapid development of various business work in all directions.
1, market segmentation, accurate positioning, grasping key points, and actively marketing wholesale business.
2. Adhere to variety innovation and service innovation, and develop retail business in multiple directions.
3. Strengthen loan marketing, expand loan scale and continuously optimize credit structure.
4. Vigorously develop international business and increase intermediary business income.
5. Pay close attention to cleaning up non-interest income.
6. Strive to improve the level of capital operation and maximize profits.
(2) Deepen reform, strengthen management, improve service quality, build a corporate culture brand with bank characteristics, and comprehensively enhance competitiveness.
(3) Breaking through traditional ideas
Operation needs to be consciously closely linked with the macro trend and the "big theme" of industry development, actively participate in strategic development planning, and link the value creation and operation of the whole bank, so as to get out of the dilemma of "low positioning" and "unclear positioning" of operation in banking organizations, and gradually form the overall management of back-office work from the aspects of service efficiency, service quality, labor combination and risk prevention and control, so as to enhance the competitiveness and sustainable development ability of enterprises.
(d) Re-establishing the operational management framework.
The transformation and development of commercial banks is a systematic project of the whole bank. To plan and design the internal operation structure of the whole bank, it is necessary to break the original management mode and redefine the operation management boundary, including network management, process design, risk prevention and control, service support, quality and efficiency, cost control, etc. And make a forward-looking comprehensive structure, overall planning, and promote the reform of the operation service system as a whole.
Suggestions on bank management. Vigorously develop smart banks.
In the future financial market life, customers will pursue more convenient, efficient and personalized services. By using smart devices, digital media and human-computer interaction technology, the bank organically combines the traditional banking service mode with innovative technology, and realizes the collaborative service of e-banking, mobile banking, self-service channels and manual channels in flexibility, agility and humanization, bringing customers a brand-new feeling and experience of "self-help, intelligence and wisdom" and realizing the paperless operation of self-service by touch.
(2) Integrated management of outlets
Bank outlets are a comprehensive platform for banks to provide products and services, and also undertake business objectives such as business growth, customer expansion, risk control and business performance. At present, there are some problems in the outlets of domestic commercial banks, such as incomplete functions, narrow service scope, and uneven busy and idle between companies and private tellers. On the basis of comprehensive utilization of resources and comprehensive exploration of customer value, we will integrate outlets, tellers and marketing, and realize the cross-border, cross-product, cross-channel and cross-regional seamless integration service goal of "one point acceptance and comprehensive service" to meet the growing diversified needs of customers.
(C) business processing mode to the background concentration
Realize the reception of customers and acceptance of transactions at the front desk, complete centralized operation, centralized authorization, centralized audit, centralized monitoring and centralized distribution, and complete transaction processing at the background. The faster banks operate, the easier it is for customers to meet their basic business needs. Through the separation of front and back office business, the quality and efficiency of counter service and customer satisfaction are improved, the resources of front desk staff are released, and the sales function of outlets is highlighted.
(four) to build an efficient and unified response service system to improve operational efficiency.
The work quality and service efficiency of employees in banks will be mapped to the service to external customers. Only by improving the work support and service guarantee for internal employees can we really improve the quality and efficiency of operation.