商业银行业务运营的可持续发展——基于对中国工商银行上海市分行的研究

Sustainable Development of Business Operation of Commercial Banks——A Study Based on ICBC Shanghai Branch

商业银行的整体经营运作可以简要概括为业务运营,主要涵盖了运营模式、运营系统、运营风险、运营管理等多个方面,是商业银行发展的主动脉。在网点分散的资源布局限制下,越来越多的商业银行感受到来自于市场的巨大压力,纷纷启动对资源集约配置的系统研究并积极试点,逐渐总结出融合流程精简设计、资源优化配置、经营持续转型的业务运营模式。本文认为,在未来,商业银行业务将彻底跳出金融企业的固有网点布局,通过以后台共享服务中心为主体,以流程创新为路径,以集约经营为目标的商业银行业务运营模式,主动实现经营战略的全面转型。

The overall operation of a commercial bank can be briefly summarized as business operation, mainly covering operation mode, operation system, operation risk, operation management and other aspects, and it is the main development line of commercial banks. Confined by distribution network resources, more and more commercial banks have felt the pressure from market and have launched systematic study and pilot of intensive allocation of resources. The banks gradually form the business operation mode that involves simplified design of process, optimal allocation of resources and continuous transformation of operation. This paper argues that, in the future, commercial bank will completely change the existing network layout and build the business model, shared service center as main body, process innovation as path, intensive operation as target, to achieve comprehensive trasformation of operation strategy.