As China's economic situation and economic growth in the changing structure of the domestic commercial banks in which the market is in a rapidly changing, the largest concentration of which is reflected in: the traditional financial companies of deposit and loan business gradually from the media, international settlement, fund management And financial intermediation in emerging areas such as business gradually increase the media, business receipts in the banking structure is changing, gradually rising proportion of new business, reflected in the customer even more obvious. At the same time, with the entry of foreign banks, foreign bank advanced management concepts and product innovation makes the domestic banking sector competition intensified.
In the face of change and challenges, domestic commercial banks and the only advantage of the opportunity for the implementation of the strategic restructuring in order to seize the opportunity in change. To open up the domestic commercial banks, finance companies in the field of the new "Blue Ocean", it is necessary to break the traditional mode of development finance from a single "production of the financial" to "finance the production," and "financial transaction" and "financial operations" of the tripartite model of transition , In the transformation of the business to continue to implement the strategy on product innovation, find new profit models; in the management transition strategy will require a new business model or product innovation to achieve a successful business model of rapid replication and rapid delivery, and achieve The new model of strategic change in earnings. RPC mode of operation is to find a domestic commercial banks during the transition strategy for the operation and management model.
RPC mode of operation, including the commercial banks in the provision of financial services companies involved in the process of "customer relationship (R)", "banking products (P)", "channel services (C)" in three areas of content management, which broke through the traditional The bank line of financial products for the division of the bank's services under the framework of the business model, the emphasis on business services and flat-efficient, and its goal is to build low-cost, high efficiency, not only the professional division of labor and inter-departmental co-financial companies Business model to enhance the mobilization of internal resources and the ability to integrate, including: professional customer relationship (R) management team in line with customer requirements, be able to provide customers with quality services to customers in order to increase profitability of the banking sector to contribute; standardization of the product ( P) management team based on the rapid changes in the market and the complex needs of customers, the timely development of competitive products to meet customer requirements, contribute to increase the profitability of the product; a full range of channels (C) management team will support business development, And according to different levels of customers with high-quality, flexible, fast and uniform standards of customer service.
RPC's business model is proposed in order to solve the existing business model exists in the dislocation between management and lack of communication and the high cost and low efficiency and so on, through R, P, C three functions to ensure the re-positioning in the To meet the needs of corporate clients in the process of division of labor specialization and cooperation in the high-efficiency, and its success can not be separated from the use of the "three-in-one organizational structure" and "consensus-oriented incentive and restrictive mechanism" and "focus on the reunification of the IT platform" of the three pillars . RPC's business model can be effectively implemented to a certain extent, to strengthen the company's centralized financial management, management by enabling customers to more fully and science, can be more focused on the level of customer solutions, while strengthening information communication And sharing to enhance the efficiency of the service.
RPC model of how to operate in the Commercial Bank of practical work to fall? We can rely on the work of IT platform standardization of work processes and job responsibilities, "workflow" made in the form of marketing and customer service information in the course of each R, P, C between cycle, so that full information symmetry In order to achieve customers to maximize revenue, product revenue, as well as to maximize the use of cost-optimal.
In this paper, through a successful case, we can see more clearly, RPC mode of operation of commercial banks to address the needs of low-cost, high efficiency and provide customers with differentiated services and innovative products that provide effective help. In the commercial banks to seek the company of the financial strategy of the historical period of transition, the new mode of operation of the commercial success of not only commercial banks can raise the value of the services, create a new profit model can also be converted into commercial banks at the core competitiveness and enhance the competitiveness of commercial banks实力.
This article is to combine the characteristics of the largest real work, innovative RPC put forward the new finance company business model, and try to operate on the RPC model of how to set up the organizational structure, how the functions of the position, how to assess and establish what kind of IT work Platform, how to work the implementation of the specific issues were discussed, with strong operational guidance.
Along with the Chinese economy and the change of the structural economic growth in domestic commercial Banks, the market structure is in drastic changes, the most concentrated embodied in the corporate finance: traditional GRC gradually off, international settlement, fund management, financial intermediary, etc, and gradually emerging business income structure of commercial Banks are changing proportion of emerging business clients in rise gradually, particularly in. Meanwhile, with the foreign Banks, foreign Banks advanced management concept and product innovation ability of domestic Banks that increasing competition.
Facing the challenge and change, domestic commercial Banks to go only for implementing strategic transformation, changes in shares. To develop domestic commercial Banks company financial field, "new" blue ocean will break the traditional financial development mode, and from a single "production financial" to "production", "trading financial financial" and "operation mode of financial" in transition, establish the transition to the business strategy implementation of product innovation, constantly seeking new profit model, In the transformation of the strategic management requires a new operation mode to achieve innovative products or successful business model, and quickly copy to realize new profit pattern of strategic transformation. RPC operation mode is to look for the discussion in domestic commercial Banks strategic transformation process for the operation management mode.
RPC operation mode includes commercial Banks provide financial services company in the process of "customer relationship (R)", "banking products (P)" and "service channel (C)" three aspects of the management, it breaks through the traditional content of banking products in the bank for the line dividing the framework, emphasizing business service operation mode, the service efficiency and flattening target for establish low cost, high efficiency, both professional and interagency collaboration division of the company financial operation mode, improve internal resources conformity capabilities, and mobilize include professional customer relationship management team (R) with customers, to provide quality service for customers, thus increasing the contribution of bank customer profitability, Standardized products (P) management team can according to market changes and complex rapid development of customer demand, the competitive products to meet customer requirements, increase the profitability of products; Comprehensive channels (C) management team to support business development, and according to the different levels of clients, flexible and convenient and standardization of customer service.
RPC operation mode is put forward to solve the existing operation mode of department of management, and between the malposition communication costs and inefficient, through R, P, C three aspects of functions to ensure customer demand in the company in the process of specialization and division of labor efficiency and its successful cooperation can "trinity", "the structure of the incentive-restricted mechanism of consensus guidance on the" unity "and" the three pillars of IT platform. Effective implementation of RPC operation mode can be in a certain extent, strengthen financial management, the company centralization customers more fully and scientific management of stratification and can pertinently for different levels of customer demand, and put forward solutions to strengthen the communication and information sharing, and to promote the service efficiency.
How to make RPC operation mode of commercial Banks in the actual working in the ground? We can work platform, by relying on IT the responsibilities and standardization "workflow working process, in the form of" customer service and marketing of that each process information in R, P, C, between departments supirior information asymmetry, in order to achieve full customer utility maximization, product utility maximization and cost of using the optimal objective.
Through the success of a case, we can see more clearly, RPC operation mode solution for commercial Banks need low cost, high efficient service for the customer provides differentiation and innovative products to provide effective help. In the commercial Banks to seek company financial strategic transition period of history, the new business model not only can improve the success of the commercial Banks, and create new value service and profit pattern can be converted into commercial Banks, enhance the core competitiveness of competitive strength of commercial Banks.
This is the biggest characteristic creative mearnwhile, puts forward a new company RPC financial operation mode of RPC, and try to the organizational structure mode, how to function, evaluation, establish how IT works, how to work in platform specific implementation issues discussed, with strong operation guidance.
Keywords: RPC operation mode of commercial Banks corporate finance
内容全部来源于网络收集，如有侵权，请联系网站删除：QQ：24596024