商业银行分支机构扁平化改革的实际与思虑(国外英文资料).docVIP

商业银行分支机构扁平化改革的实践与思考(国外英文资料) The practice and thinking of the flat reform of the commercial bank branch The 2007-12-25 We will implement the main situation of the flat reform In mianyang, 2005 years ago, the construction bank branch in essence is not a dedicated to provide professional financial services institutions: branch office is still management institutions, to exercise the management function is given priority to, the vast majority of business rely on subordinate branches, a small local branch to carry out; Administrative areas according to the scope of business of each branch, a small local branch, division between regional segmentation, the same line of business is difficult to form a unified standardized service to customers, and to the customer service level is low, simple content is similar; Branches, disorderly competition is intense, between a small local branch is often many branches of some saturated repeat customer service, and for some customers who provide services forget ; There is a large gap between the income of the same employees in the same performance. To change this situation, it is necessary to implement the building of the headquarters of decision on reform of the implementation of the branch flattening, the comprehensive reform in mianyang branch become a customer service team, improving customer service ability, construct the long-term mechanism of service. Flattening the essence of the reform, it is through the bank internal organization structure adjustment, business process mechanism transformation, and the daily management more efficient to improve the ability of service to the customer. Since 2005, we have made major changes in the following areas: Centralize all the transactional work and reduce the burden of branches. Implementation background security system reform, to the backend support content, responsibilities, procedures, and standards for each refinement, greatly reduce the transactional work burden of basic particle. At