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AbstractInthecurrentsituation,thetraditional"fullyfunctionalbranch,telleralltheway"approachhasbecomeunsustainableduetotheincreasingpressureonthebankingindustry,theexpandingscaleofcounterbusinessandtheincreasinglydiverseneedsofcustomers.TheICBCDalianJinxiuBranchhasencounteredsimilardifficulties,andvariousproblemshavegraduallyemergedinthecourseofitsoperations,whichareincreasing,suchastheincreasingvarietyofrisksandtheneedtoimproveitsbusinessprocessingcapabilities,whichwillmakeitdifficulttoprovidestrongsupportforfuturebusinessifitcontinuestooperate.ChangestothebusinessandoperatingsystemofDalianJinxiuBranchoftheIndustrialandCommercialBankofChinacannolongerbedelayed,andanin-depthdiscussionofitsoperatingandmanagementsystemisofgreatpracticalimportance.Thistopicispresentedintermsoftheresearchbackgroundandsignificanceofthebusinessoperationmodelofcommercialbanks,domesticandinternationalresearchdevelopments,aswellastheoverallresearchideasandmethodologyofthethesis.Secondly,thebusinessconceptofcommercialbanksisdefined,andthemaincontent,significanceandtheoreticalbasisofbusinessoperationareelaborated,layingdownthetheoreticalbasisforthenextstepofdevelopment.Atthesametime,thepaperalsoanalysesthecurrentsituation,problemsandcausesofthebusinessoperationmodeloftheDalianJinxiuBranchoftheIndustrialandCommercialBankofChina,andalsoelaboratesontheimprovementmeasuresofthebusinessoperationmodeloftheDalianJinxiuBranchoftheIndustrialandCommercialBankofChina.Itishopedthattheefficiencyofbusinessprocessingcanbeeffectivelyimproved,theerrorrateatthecountercanbereduced,thetransformationofthebranchcanbefacilitated,andthelevelofcontrolofoperationalrisksandoperationaleffectivenessatthecountercanbefundamentallyimprovedandenhanced.Keywords:commercialbanks;Operatingmodel;Centralizedoperation;Backstagecentralization目录摘要..........................................................................................................................................IAbstract...................................................................................................................................II目录.......................................................................................................................................III绪论..........................................................................................................................................
