CN114997449A - Bank business operation management system - Google Patents

Abstract

The invention provides a bank business operation management system, comprising: the bank management system comprises a display module, an appointment module, a management module, an operation module and a monitoring module, wherein the display module is used for displaying bank operation information; the reservation module is used for reserving service information; the operation module is used for bank business processing; the management module is used for managing banking business handling; the monitoring module is used for controlling the bank business operation risk; the display module, the reservation module, the management module, the operation module and the supervision module are sequentially connected. The invention not only can provide good business handling experience for users and improve the business handling efficiency of banks, but also can realize automatic standardized supervision and processing, multi-level early warning on business, early detection and processing on risks and avoiding serious risk upgrading.

Description

A bank's business operation management system

technical field

The invention belongs to the technical field of operation management, and in particular relates to a business operation management system of a bank.

Background technique

With the progress of society, especially the widespread popularization of computers, computer applications have gradually shifted from massive data processing in large-scale scientific computing to large-scale transaction processing and workflow management. The management system is the application of the management information system of the development environment in large-scale transaction processing and workflow management.

With the improvement of people's quality of life, dealing with banks has become an indispensable part of people's lives, and the number of bank users continues to grow. But people also put forward more and higher requirements for bank services. People want to make banking easier and less time consuming. However, at present, banks generally have incomplete collection of existing business data, data are scattered in various systems, and data support and aggregation capabilities are insufficient. The existing branch management still has all manual processing and offline processing, which cannot efficiently and accurately manage daily affairs. Faced with a series of problems such as customer service, business response, and the inability to achieve a full range of risk prediction and early warning in the transaction process, it is urgent to establish a new, efficient, convenient and interconnected bank operation management system. In this way, the work efficiency of the bank is improved and the needs of users are satisfied.

SUMMARY OF THE INVENTION

In order to solve the above technical problems, the present invention proposes a business operation management system of a bank. Provide users with a good business handling experience, improve the efficiency of bank business handling, realize automatic and standardized supervision and processing, as well as multi-level early warning of business, early detection and early handling of risks, and avoid serious risk escalation.

In order to achieve the above purpose, the present invention provides a business operation management system of a bank, including: a display module, a reservation module, a management module, an operation module, a supervision module,

The display module is used to display bank operation information;

The reservation module is used to make reservations for handling business information;

The operation module is used for banking business processing;

The management module is used to manage the banking business;

The supervision module is used to manage and control the operational risk of banking business;

The display module, the reservation module, the management module, the operation module and the supervision module are connected in sequence.

Optionally, the display module includes: a location unit, a business unit and a personnel information unit;

The location unit is used to display the geographic location of the bank outlet, and is sorted according to the distance;

The business unit is used to display the business hours of the bank outlet, the types of business that can be handled, the number of people currently handling the business, and the estimated time for completing the corresponding business processing;

The staff information unit is used to display staff information in the bank outlet, and the staff information includes: the staff's name, working years and post information.

Optionally, the reservation module includes: a time reservation unit and a service reservation unit;

The time reservation unit is used for reserving time for business processing;

The business reservation unit is used to reserve the business to be handled and fill in the reservation voucher.

Optionally, the job module includes: a foreground job submodule and a background job submodule;

The front desk operation sub-module is used to provide on-site business processing at the counter and lobby;

The background operation sub-module is used for background processing of banking business.

Optionally, the front desk operation sub-module includes a counter unit and a lobby unit;

The counter unit is used to provide business handling of high cabinets, low cabinets and VIP cabinets;

The lobby unit is used to provide the processing of self-service cabinets and mobile banking services.

Optionally, the background operation sub-module includes: a clearing unit, a cash unit, a lending unit, a remote authorization unit and a business processing unit;

The clearing unit is used for summarizing, approving, bookkeeping and reconciliation of bank payment settlement and clearing services;

The cash unit is used for cash transfer, zero exchange and counterfeit money collection;

The lending unit is used for credit approval and unified account processing of lending;

The remote authorization unit is used to provide centralized authorization of business operations;

The business processing unit is used for supplementary recording of the vouchers that are only reviewed and scanned at the front desk, and for compounding and subsequent processing of business compliance and integrity.

Optionally, the management module includes: a standard work unit, a training unit and an evaluation unit;

The standard operating unit is used to provide the standard specification of banking business processing;

The training unit is used to conduct business training for newcomers according to the banking business processing standard specification, as well as regular full-staff training;

The evaluation unit is used for evaluating the working mode of bank staff according to the banking business processing standard specification.

Optionally, the supervision module includes: a risk monitoring unit and an early warning unit;

The risk monitoring unit is used for real-time monitoring through post-event inspection to supervise and correct the operation of the banking business;

The pre-warning unit is used for setting parameters to pre-warn the operation of the banking business.

Compared with the prior art, the present invention has the following advantages and technical effects:

The present invention displays the bank operation information through the display module and the reservation module through the reservation module, greatly optimizes the user's business processing experience, and improves the bank's business processing efficiency; the management module manages the banking business processing, and provides unified banking business processing. Standardized and standardized to avoid the rate of business mistakes and improve the business handling level of staff; through the supervision module to manage and control the risk of bank business operation, realize automatic and standardized supervision and processing, and multi-level early warning of business, early detection and early treatment of risks, avoiding Risk escalation is serious.

Description of drawings

The accompanying drawings constituting a part of the present application are used to provide further understanding of the present application, and the schematic embodiments and descriptions of the present application are used to explain the present application and do not constitute an improper limitation of the present application. In the attached image:

FIG. 1 is a schematic structural diagram of a business operation management system of a bank according to an embodiment of the present invention.

Detailed ways

It should be noted that the embodiments in the present application and the features of the embodiments may be combined with each other in the case of no conflict. The present application will be described in detail below with reference to the accompanying drawings and in conjunction with the embodiments.

It should be noted that the steps shown in the flowcharts of the accompanying drawings may be executed in a computer system, such as a set of computer-executable instructions, and, although a logical sequence is shown in the flowcharts, in some cases, Steps shown or described may be performed in an order different from that herein.

Example

As shown in FIG. 1 , this embodiment provides a business operation management system of a bank, including: a business operation management system of a bank, characterized in that it includes: a display module, a reservation module, a management module, an operation module, and a supervisory module. module; the display module is used to display bank operation information; the reservation module is used to reserve business information; the operation module is used to process banking business; the management module is used to manage banking business; the supervision The module is used to manage and control the operation risk of the banking business; the display module, the reservation module, the management module, the operation module and the supervision module are connected in sequence.

Further, the display module includes: a location unit, a business unit and a personnel information unit; the location unit is used to display the geographic location of the bank outlet, and is sorted by distance; the business unit is used to display the business of the bank outlet Time, the types of businesses that can be handled, the number of people currently handling the business, and the estimated time for the completion of the corresponding business; the personnel information unit is used to display the information of the staff in the bank outlet, and the staff information includes: the name of the staff member, the number of years of work and job information.

Further, the reservation module includes: a time reservation unit and a service reservation unit; the time reservation unit is used to reserve the time for service processing; the service reservation unit is used to reserve the service to be handled and fill in the reservation voucher.

In this embodiment, the display module is used to display the bank information to the user, display the location information of the nearby bank outlets in order of distance from the user's location, and push the optimal driving route to the user according to the real-time traffic situation, and the estimated traffic Time; the user can check whether the outlet contains the business that needs to be handled in the display module, and can display the current number of business people and the corresponding estimated time for the completion of business processing in real time, which is convenient for users to make business appointments in advance and improve business processing efficiency. In the module, the name, working years and position information of the staff are further displayed, which is convenient for users to know in advance to find staff to handle business. The advance reservation in this embodiment can save the waiting time for customers to handle business to the greatest extent, and use the bank's mobile banking APP, WeChat public account or official website channel to select online processing outlets, processing times, and types of services. At the same time, for the services that can be handled by non-designated outlets, you can view the remaining resources online in real time and observe whether the queuing phenomenon at the outlets is serious. After customers arrive at the branch, they only need to report to the number-calling machine, and the business can be processed in real time. For complex businesses that require more information, in order to avoid the failure of business processing due to incomplete information provided by customers, real-time online business consultation is opened, and online information is centrally operated in the background pre-review link, and the limited counter resources of physical outlets are extended to online. access to the centralized operation process. For example: through the display module and the reservation module, the connection between online and offline is opened, and the online account opening of the enterprise through electronic channels is realized, and the pre-review of the account opening information is carried out online, which saves the processing time of the public account, and enhances the enterprise account opening experience. The efficiency of the branch's handling of the open account business provides online support for optimizing the enterprise account opening process.

Further, the operation module includes: a foreground operation sub-module and a background operation sub-module; the foreground operation sub-module is used to provide on-site business processing at the counter and the lobby; the background operation sub-module is used for background processing of banking business.

The front desk operation sub-module includes a counter unit and a lobby unit; the counter unit is used to provide business processing of high cabinets, low cabinets and VIP cabinets; the lobby unit is used to provide processing of self-service cabinets and mobile banking services.

The background operation sub-module includes: a clearing unit, a cash unit, a lending unit, a remote authorization unit, and a business processing unit; the clearing unit is used for summarizing, approving, accounting and reconciling bank payment settlement and clearing services; The cash unit is used for cash transfer, zero exchange and counterfeit currency collection; the lending unit is used for credit approval and unified account processing of lending; the remote authorization unit is used to provide centralized authorization of business operations; The business processing unit described above is used to supplement the vouchers that have only been reviewed and scanned at the front desk, as well as compound and follow-up processing for business compliance and integrity.

In this embodiment, the front-end operation sub-module corresponds to all the business processing that can be provided in the bank lobby and the counter; in the back-end operation sub-module, the clearing unit is centrally responsible for summarizing, approving and Bookkeeping and reconciliation, responsible for the bookkeeping and reconciliation functions of the People's Bank of China's payment system and settlement system. Cash Unit: Responsible for cash allocation, zero exchange, and collection of counterfeit currency throughout the bank. Loan unit: The loan step is independent of the branch, combined with the centralized review and loan of the credit management department, to realize the unified account processing of loan and loan in the background. Remote authorization unit: It realizes centralized authorization of large amount of funds and key business operations. The teller uploads the business information to the back-end authorization center, and the back-end authorization supervisor implements the review of the business with unified standards and standardized procedures.

Further, the management module includes: a standard operation unit, a training unit and an evaluation unit; the standard operation unit is used for providing banking business processing standard specifications; Business training, and regular full-staff training; the evaluation unit is used to evaluate the working mode of bank staff according to the banking business processing standard specification.

Further, the supervision module includes: a risk monitoring unit and an early warning unit;

The risk monitoring unit is used for real-time monitoring through post-event inspection to supervise and correct the operation of the banking business; the early warning unit is used for setting parameters to give an early warning to the operation of the banking business.

In this embodiment, the risk monitoring unit uses the unified scanning of images and the key audit of risk monitoring, and replaces the traditional method of manual auditing with computer technology to reduce the workload of employees and avoid human factors from affecting the quality of auditing, so as to realize the processing flow. integration. Establish a three-dimensional and multi-dimensional early warning supervision mechanism through the early warning unit. By setting the parameters, flexibly customize the key supervision model and risk early warning model, the system will automatically screen according to the model, and carry out key supervision and sampling supervision on the screened records, so as to realize the multi-level and three-dimensional early warning supervision of the business.

The above are only the preferred embodiments of the present application, but the protection scope of the present application is not limited to this. Any person skilled in the art can easily think of changes or replacements within the technical scope disclosed in the present application, All should be covered within the scope of protection of this application. Therefore, the protection scope of the present application should be subject to the protection scope of the claims.

Claims (8)

1. A system for managing operation of a bank, comprising: a display module, an appointment module, a management module, an operation module, a supervision module,

The display module is used for displaying bank operation information;

the reservation module is used for reserving service information;

the operation module is used for bank business processing;

the management module is used for managing banking business handling;

the monitoring module is used for controlling the bank business operation risk;

the display module, the reservation module, the management module, the operation module and the supervision module are sequentially connected.

2. The system for managing the business operations of a bank according to claim 1, wherein said presentation module comprises: the system comprises a position unit, a business unit and a personnel information unit;

the position unit is used for displaying the geographical position of the bank outlets and sequencing according to the distance;

the business unit is used for displaying the business time of the bank outlets, the types of the business which can be handled, the number of currently handled business persons and the estimated duration of the corresponding business handling completion;

the staff information unit is used for displaying staff information in the bank outlets, and the staff information comprises names, working years and post information of the staff.

3. The business operation management system of a bank according to claim 1, wherein the reservation module comprises: a time reservation unit and a service reservation unit;

the time reservation unit is used for reserving service handling time;

the service reservation unit is used for reserving the service to be transacted and filling the reservation certificate.

4. The business operation management system of a bank according to claim 1, wherein the job module comprises: a foreground operation sub-module and a background operation sub-module;

the foreground operation submodule is used for providing counter and hall field business processing;

and the background operation submodule is used for carrying out background processing on the banking business.

5. The system for managing the operation of a bank according to claim 4, wherein said front desk job submodule includes a counter unit and a hall unit;

the counter unit is used for providing business handling of a high cabinet, a low cabinet and a VIP cabinet;

the hall unit is used for processing self-service cabinets and mobile banking services.

6. The business operation management system of a bank according to claim 4, wherein the background work submodule includes: the system comprises a clearing unit, a cash unit, a deposit unit, a remote authorization unit and a service processing unit;

the clearing unit is used for summarizing, approving, accounting and reconciling the bank payment settlement and clearing business;

the cash unit is used for carrying out cash transfer, zero-stroke exchange and counterfeit money collection;

the loan unit is used for carrying out unified accounting processing of credit approval and loan putting;

the remote authorization unit is used for providing centralized authorization of business operation;

and the service processing unit is used for supplementing and recording the certificate which is only subjected to initial examination and scanning at the foreground, and performing composition and subsequent processing work on service compliance and integrity.

7. The system for managing the operation of a bank according to claim 1, wherein said management module comprises: the system comprises a standard operation unit, a training unit and an evaluation unit;

the standard operation unit is used for providing a standard specification of banking business processing;

the training unit is used for carrying out business training on a new person according to the banking business processing standard specification and carrying out regular whole-person training;

and the evaluation unit is used for evaluating the working mode of the bank worker according to the banking business processing standard specification.

8. The system for managing operation of a business of a bank according to claim 1, wherein said supervision module comprises: a risk monitoring unit and an early warning unit;

the risk monitoring unit is used for monitoring in real time through post inspection and monitoring and correcting the operation of banking services;

the early warning unit is used for setting parameters to carry out early warning on the operation state of the banking business.

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