中国工商银行大连锦绣支行业务运营模式调查分析

中国工商银行大连锦绣支行业务运营模式调查分析摘要在当前的形势下，由于银行业面临的压力日益增大，柜台业务量规模不断扩大，顾客的需要日益多元化，传统的“网点全职能、柜员全程”经营方式已变得难以为继。中国工商大连锦绣分行也遇到了类似的困难，在经营过程中，各种问题逐渐显露出来，并日益增多，例如：风险种类日益增多，业务处理能力也需要提高，如果它持续经营下去，将难以为今后的业务提供强有力的支持。中国工商大连锦绣分行经营与经营体制的变革已刻不容缓，对其的经营管理体制进行深入的探讨具有重大的现实意义。本课题从商业银行业务运营模式的研究背景和意义、国内外研究动态，以及论文整体的研究思路、方法等方面进行了阐述。其次，对商业银行的经营理念进行了定义，阐述了经营经营的主要内容、意义和理论依据，为下一步的发展奠定了理论依据。同时，本文还对中国工商大连锦绣分行经营模式现状、存在问题和成因进行了分析，还阐述了中国工商银行大连锦绣支行业务运营模式的完善措施。希望可以有效提高业务处理效率，降低柜面差错率，助力网点转型，使柜面操作风险的管控水平和运营效能得到根本性的改进和提升。关键词：商业银行：运营模式：集中运营：后台集中AbstractIn the current situation,the traditional "fully functional branch,teller all the way"approach has become unsustainable due to the increasing pressure on the banking industry,the expanding scale of counter business and the increasingly diverse needs of customers.TheICBC Dalian Jinxiu Branch has encountered similar difficulties,and various problems havegradually emerged in the course of its operations,which are increasing,such as the increasingvariety of risks and the need to improve its business processing capabilities,which will makeit difficult to provide strong support for future business if it continues to operate.Changes tothe business and operating system of Dalian Jinxiu Branch of the Industrial and CommercialBank of China can no longer be delayed,and an in-depth discussion of its operating andmanagement system is of great practical importance.This topic is presented in terms of the research background and significance of thebusiness operation model of commercial banks,domestic and international researchdevelopments,as well as the overall research ideas and methodology of the thesis.Secondly,the business concept of commercial banks is defined,and the main content,significance andtheoretical basis of business operation are elaborated,laying down the theoretical basis for thenext step of development.At the same time,the paper also analyses the current situation,problems and causes of the business operation model of the Dalian Jinxiu Branch of theIndustrial and Commercial Bank of China,and also elaborates on the improvement measuresof the business operation model of the Dalian Jinxiu Branch of the Industrial and CommercialBank of China.It is hoped that the efficiency of business processing can be effectivelyimproved,the error rate at the counter can be reduced,the transformation of the branch can befacilitated,and the level of control of operational risks and operational effectiveness at thecounter can be fundamentally improved and enhanced.Keywords:commercial banks;Operating model;Centralized operation;Backstagecentralization目录摘要.Abstract目录Ⅲ绪论…51商业银行业务运营模式的理论概述.61.1商业银行业务运营模式概念.….61.2商业银行业务运营模式特征….61.3商业银行实施业务运营模式的重要性72中国工商银行大连锦绣支行运营模式现状分析.82.1中国工商银行运营模式概况82.2中国工商银行大连锦绣支行运营模式的现状调研82.2.1业务处理效率..92.2.2等候时间92.2.3产品和服务客户满意度102.2.4从业人员从业素质….112.2.5客户结构.123中国工商银行大连锦绣支行业务运营模式存在的问题..143.1业务运营流程复杂..143.1.1流程分离无效。.143.1.2管理制度有漏洞.….143.2业务运营效率低下….153.2.1柜面业务流程过长.153.2.2操作人员业务能力低下153.3运营操作风险较大….................163.3.1违规操作过多….163.3.2现有流程加刷风险.173.4缺乏营销能力.18