What Is a Banking Department?

Unlike process banks, at present, the vertical assessment mechanism of the head, branch, and branch of China's banking industry is called a "departmental bank." A branch unit integrates businesses such as corporate finance and personal finance, and has more management levels. At present, almost all commercial banks in China are set up as departmental banks.

Sector bank

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versus

Under the established organizational structure, the bank management model is based on the division of responsibilities of departments and agencies, the allocation of resources, and the development of business. Its core is the organizational structure. All management, internal services, and business development are subject to the guidance and constraints of the "organizational structure".

In comparison, traditional

I. Too many business management links Taking the credit business process as an example, there are no less than 20 large and small links that a loan needs to go through from the application of a customer to the loan. According to statistics, the average processing time of a credit business (from customer application to loan) of state-owned commercial banks is as long as 6 months. Although some reviews are necessary, investing a lot of manpower, material resources, financial resources and time for this will require high management costs.

2. Cannot take the customer as the center. The traditional department setting and division of responsibilities of commercial banks have not broken the traditional mindset. Even if some adjustments are made to business processes, they are only repairs. The business processes thus formed cannot be convenient. Customer processes. In addition, China's commercial banks have a rigid and single business process. Instead of designing different business processes based on the risks of different customers and different businesses, they have divided management authority according to the amount of business. Often, the more quality customers, the more approval processes. The more complex the business process.

Third, the business processes are not coordinated with each other China's commercial bank service processes are often developed by the business management departments themselves, lack of connection and coordination between each other, there are problems of duplication or even conflict. For example, although there is a dedicated information department, there is no unified information process. Each business operation and management department has its own information channel and information processing process for its own needs. Information between the processes cannot be shared. Data Repeated entry, the more serious is the inconsistent data from various departments, leading to management confusion.