The characteristics of the process library include

The characteristics of process bank include customer-centered, vertical operation and management of business lines, separation and restriction of front, middle and back offices, and centralized operation and management of middle and back offices.

Brief introduction of process library:

Process bank is the management mode of modern commercial banks, and it is an all-round reform of traditional banking concepts, management and business. Facing the changes of various external environments such as internet finance and interest rate marketization.

Background:

After China's entry into WTO, China's banking industry was fully opened to the outside world at the end of 2006. In this context, people began to think about how Chinese banks compete with foreign banks. What is the gap between Chinese banks and foreign banks? Liu, then chairman of the China Banking Regulatory Commission, gave a clear answer.

At present, almost all Chinese banks have major drawbacks in their business processes, and they are still only "departmental banks" rather than "process banks", resulting in artificial restrictions on services, innovation and risk prevention aimed at customer needs, and it is difficult to investigate and deal with problems between departments. Therefore, the compliance mechanism needs to be established on the basis of "process bank". This is the background of the concept of "process bank".

Principles of process banking:

1. All the business of a bank is given by customers, so it should be customer-centered and market-oriented.

2. Start with combing, optimizing and perfecting the banking business process.

3. Processes include not only business processes, but also management processes and support processes, and all process systems need to be sorted out, optimized and re-engineered.

4. Modern society should make full use of modern information technology for management.

Two key points of process bank:

1, highlighting the core business processes.

That is, according to the contribution of various business processes to customer value, the core business processes and marginal business processes are distinguished and different solutions are given.

The so-called core business process is the business process that can best reflect a bank's competitive advantage and generate high added value, such as retail business or wealth management business, high-end customer business, microfinance business, product research and development and innovation, unique service means and so on.

2. Highlight the diversification of business processes.

Because the traditional banking model pays too much attention to the standardization of business processes, it is increasingly difficult to cope with diversified and personalized customer needs. Process banking has diversified business processes, and launched differentiated business processes according to the needs of different customer groups.

For example, according to the income level of customers, design business processes for high-income customers, middle-income customers and low-income customers respectively. According to the credit rating of customers, business processes are designed for high-risk, medium-risk and low-risk customers respectively.