Optimize Internal Management System Of AGRICULTURAL Bank
To strengthen the construction of its organization加强中国农业银行的组织结构
Internet banking involves personal and company customer department, and also involves finance, accounting management project departments, and is inseparable of operations, information technology and other departments. 网上银行包括个人和公司的客户部门，还包括财务、会计管理项目部门，并且和运营、信息技术等部门是分不开的。To make the business of the bank on the net to develop fast and catch up with the advanced level of the industry, AGRICULTURAL bank has to straighten out the management system of the business of the bank on the net. after the analysis of the existing structure,
The scheme maintains the existing basic management system unchanged, 该计划维持现有的基本管理制度不变。 the head office is established in level by the President as the director, the senior executives as the assistant supervisor, relevant departments consist of the internet bank carrying committee, strengthening the intensity of the head office’s executives organizations and promotion. Clearly define that the head office’s internet bank department is the organization of internet banking carrying committee to carry out the internet banking, and manage the relationship of internet banking department and customer department, technology department and operation support department, define the border of the relationship between them. First-Level branch also can establish the corresponding the internet bank carrying committee.
Clearly the tier-one branches must form internet banking department and increase the number of staff. 显然，一级分行必须形成网上银行部门并且增加员工的数量。The center cities should set up the customer support team which matches the business scale. The primary responsibility of the First-Level branch’s department of the internet bank is to organize the promotion and to manage the internet banking business, to plan, organize the publicity and marketing of the business of the internet bank, to implement the relevant regulations, standards and risk prevention measures to ensure the safe operation of the business. Generally speaking, the responsibilities of the department of the internet bank can be pided into the business management and risk prevention, product development, operation management, market marketing section. In addition, First-level branch should directly participate the marketing of the big customer system, directly contact with key target customers, and directly make after-sales service.
Due to that the Secondary branch economic environment, business scale, management performance have very big differences, and therefore cannot take “one size fits all” means, 由于二级银行的经济环境、经营规模、管理性能有很大的差异，因此不能采取“一刀切”的办法。But should be based on all the actual situation to set up effective internet banking regulators. 但应根据所有的实际情况，建立有效的网络银行监管机构。Secondary branch management mode can have the following two options (Kevin, 2007): (1) to set up a special internet banking management department, the management mode is for the bank that the economic environment is good, the size of the market is large, the business is developing rapidly; (2) to establish the leadership team that several departments participate the business of the bank on the net, even assumed command by the President, and the specific business is subordinate to a certain business department. For company customers’ marketing, through the public business and company business department leading; As for inpidual customer marketing, can be through the personal financial business department of the network; For a business management and risk prevention, may be realized by the aid of accounting settlement department; the technical support department is responsible for product promotion and operation management of internet banking, so as to form the pattern or so.
The scheme advantage: 该计划的优势
it can continue to maintain the current level management mode, don't involve structure adjusting, reform is relatively small, promoting difficulty and resistance are smaller, and it is easy to implement.
Strengthen personnel training, make professional team加强人员培训，组建专业团队
The internet bank products are different from the traditional bank products, and it is the new product with a high content of science and technology,。网上银行产品不同于传统的银行产品，它是科技含量高的新产品 。There is a process for customers using and accepting new products (Kevin, 2007). In the past few years AGRICULTURAL bank lacks personnel, from the head office to branches, barely increases personnel, especially for internet banking department, it is only through documents issuance to conveyance and emphasis, urges relevant departments to carry out the marketing task. Because there are no full-time employees in the basic branches about internet banking, plus all kinds of index are of very great pressure, the new products are being introduced, front desk clerks, customer managers in selling products, often can only carry on some simple sales, cannot introduce the detailed product, so lose a lot of customers. After Customers signing in the website, customer managers do not have time to use the equipment in the business site to train the customers, and because of the shortcomings of the professional knowledge, some customers long-term don't use internet bank and eventually become fixed accounts, and not make full use of the functions of the internet bank to improve the enterprise's financial management (Kevin, 2007).
Therefore, engaged in the business of the internet bank is a long hard meticulous work,。因此，从事网上银行业务是一个长期艰苦细致的工作。 It should strengthen the basic line personal training, make professional team, with sufficient full-time personnel for the business of the internet bank. 要加强个人训练的基本路线，建立专业的团队，具有足够的网上银行业务的专职人员。Strengthening institutions team construction is the special job responsibility for the business of the internet bank, first is strengthening internal management, and effective control and risk prevention; second is organization efficient business marketing for high quality customers and improving the need of social effect and economic benefits. The construction of institutions and members of the configuration can't stay at the early stage of the distributed management, so the staff should fully understand the importance of development of internet banking services in promoting the business development. That needs to strengthen the team building at the same time, which should first solve staffing and salary expenses, this is the actual problems, because at present the lower branches can not put full-time staff in place. If the full-time business personnel have assure, then internet banking business can be bigger and stronger
Set up scientific internal evaluation and incentive measures建立科学的内部考核和激励措施
Briefly speaking, this mainly includes two aspects of contents, namely what the internet bank should evaluate and how to evaluate. 简言之，这主要包括两个方面的内容，即网上银行应该评估以及如何评估。
The staff appraisal should fully consider the application of positive incentives and negative incentives. 工作人员考核应充分考虑应用正激励和负激励。There are varieties of positive incentives to employees, such as to pay the expenses for the marketing results, to reward money for marketing an effective personal or enterprise online banking user; regularly to discuss and elect the star of internet banking business, and give the material and spiritual double rewards, such as providing training, going abroad or a vacation opportunity, etc.Negative incentives do not simply mean to use the criticism, the sanctions and fines. 负激励，不是简单地把使用的批评，制裁和罚款。The application of negative incentives can be fully considered combination of other incentives, namely other index of the positive incentive should combine the relevant online banking indexes’ finishing status. As for the customer managers or clerks qualified for the authentication, comprehensive performance distribution and staff vital interests closely related work, if the employees are not up to the relevant indicators of the bank on the internet, which can cancel their certification qualification or lower level.