Commercial banks on grass-roots team of business professionals to write papers _ Model of Network

Net write papers: Abstract: With the national economy continues to improve, there is growing concern that the financial markets, making financial services have gone up, followed, is the bank's strategic business transformation, the traditional credit business, access to money can not be meet customer demand, and a variety of financial services, is growing in geometric proportion. Because of this, banks need a professional team and they deal with these financial services customers, commercial banks, this paper model of professional team-building few remarks.

Keywords: commercial banks, professional team of business model

First, the primary significance of the professional team building
(A) adapt to meet the needs of
With the continuous development of national economy and rising financial markets, competition is heating up, credit services by commercial banks derived from a variety of financial service needs of more and more customer traffic is also growing, Previous banking services, staff are not familiar with the emerging as financial services, has been unable to meet market demand, while customers often have a strong limitation on the requirement for hierarchical business model, commercial banks need to build grass-roots institutions a specialized team of business operation mode.

(B) personnel training, healthy competition
Team business model is to allow commercial banks faster and better able to adapt to the modern market competition, appropriate city different needs of different customers, while team-building, but also to train more personnel, services, banks, service customers, through a series of good training system, training a group of bank loyalty, customer loyalty business elite, not only conducive to the development of banks, more conducive to healthy competition in the industry.

(C) promote the internal division of labor clear
Team building, making the bank more explicit division of labor, the functions of a more refined, from the current financial business, we recognize that the current commercial banking financial services and more refined, while the corresponding positions increasing division of labor specifically, customers do not need a whole but not to the business people for their financial management, they need a business is a proficient and be able to do their business talents, so team building, and encourage banks to split the original ambiguous business, polarized, successfully completed the strategic restructuring of business organizations.

Second, commercial banks, building grass-roots team
(A) shaping the concept of clear team goals
Each team has its own characteristics of work or working qualities, characteristics of the decision is based on the work of client resources, the decision is based on the concept of working temperament. Specific idea is not a slogan, but a faith and the pursuit of its production and the formation is not the rapidly completed, but through the formation of long-term accumulation, and have the faith and the pursuit of the fundamental is the driving force, specifically, interest-driven or function driven by the team concept is feasible to build a team concept, are and the bank's business philosophy is consistent, however, preferences for specific terms of team work, will form a different work ethic, it is proposed, in building a high performance team process, the primary line of every business team concept as a long-term shape simply to think, and subject to the framework of the philosophy through stages of team building process, step by step from the "problem-solving" to the interdependent type "multi-functional" team changes, form a unique business philosophy of the team.

(B) re-take the architecture, the performance of team play
In accordance with business needs, giving the team a real independent authority, from the organizational structure of the roots to give the team, both to pay attention to problems, but also the implementation of solutions to the problem, and the results of the work to take responsibility in the business information sharing, work together with business objectives and the specific responsibility to work together of aspects of the work on the property are self-managed teams, each team member as the team bears the responsibility of superiors, and thus within the team managed the organization vertically approach should be to "goods"-shaped organizational structure pattern, and this change does not mean losing the authority of the management team in charge, but the team members to give full play to the initiative, based on the realization of the role of the team then found that members of the role of discovery and positioned to form Technology-based, problem-solving and decision-making based members of the "goods"-shaped structure, which is the team expert team to change.

(C) carding processes, improve team efficiency
Michael Hammer is defined as the process will be four outstanding features: RIGHT CHEAP EASY FAST, that guarantee the right (RIGHT) of the process outputs (products or services customers need under the premise, as far as possible to make the process fast (FAST, easy ( EASY, and cheap (CHEAP. team building process, mainly clear who will do the problem, which requires the ability to team members based on preferences, to give the correct proper clear division of labor, the advantages of each member to maximize, thus resulting in the team maximize the advantages,
(D) cross-service, to build job skills
In the financial business, the current commonly used model, is an expert responsible for a customer, such an approach, benefits, and disadvantages, the benefits are prompting experts to devote every effort for customer service, nose to the grindstone, the downside is that only an expert , capacity, limited by both the business level, even if no matter how wholeheartedly, there is no guarantee can not meet customer needs. Links to free download http://www.hi138.com
Therefore, I believe, an expert team of commercial banking services, should take "a panel of experts an expert team of" three-tier service structure, the first expert, is responsible experts, and the second panel, is the response to this business, or is the same of similar business, a team, communicate with each other within the group of experts, each other's needs, have led experts to develop the idea of ​​dealing with the problem and finally a team of experts is the bank's team of experts is in the face of major problems, can improve the team of experts to bring about this task.

Among the expert team building, commercial banks into the team of experts should be strictly, not only is the team of experts to ensure quality of service, but also the reputation of the banking services, as long as the relevant business line has many years of work experience, business skills are very solid, very rich theoretical knowledge, practical, hands-on experience is abundant, and capable people with a certain analysis can be called experts, banks will be able to take their team to become expert team of experts.

(E) forging perfect platform for the development team
Sustainable development is now the most popular and most effective management philosophy, the concept of sustainable development into the construction and management team which is to enable faster and better development team, but also to more efficient team of experts for customer service, strive for fame and fortune for the bank's dual benefits.

Therefore, commercial banks must establish a sustainable development platform, using this platform to continuously improve team-building expert commercial banks continued grassroots development model, we know that commercial banks established by the expert team is a team with professional skills, theory, professional quality of the service-oriented high-level team that can provide customers with the best, fastest and most detailed service for customers of banking, investing, financial operations, etc. The most detailed arrangements to ensure customers achieve the desired effect.


References:
[1] Zhang river first. To build the primary business of the bank's core competitiveness of Some Problems in the western financial [J] .2007 (9)
[2] Wang Jinsong. Cadres to improve work practices in PBC ability Thoughts Technology Economic and Management Research [J] .2007 (4) Links to free download http://www.hi138.com