在当今的组织环境中，操作效率是一个持续引起关注的问题。宏观环境中引入了新的挑战，从而产生了内部环境突发事件。必须评估业务要素的效率，并不断改进，以使各组织茁壮成长(科特勒，1997;李路，2013)。在银行服务方面，这些运营要素变得更加关键，因为它们直接给银行带来了威胁和机遇(Li & Yang, 2000;Shrivastava,2016)。在此背景下，本文旨在对江西银行锦县分行的服务流程和信贷流程进行分析。由于中国的金融业改革，这家银行的金贤分行目前在中国面临着激烈的竞争。江西银行股份有限公司基本上是一家商业银行，提供公共存款、贷款、国内结算、外汇等服务(Bloomberg, 2017)。它为来自中国的客户服务。
In contemporary organizational contexts, operational efficiency is a continuing cause of concerns. Newer challenges are introduced in the macro environment, and internal environment contingencies are created as a result. Operational elements must be assessed for efficiency and must be improved continuously in order for the organizations to thrive (Kotler, 1997; Li & Lu, 2013). In terms of banking services, such operational elements become even more critical as they directly result in threats and opportunities for the bank (Li & Yang, 2000; Shrivastava, 2016). Given this context, the purpose of this work is to analyse the service process and credit process of the Jinxian Branch of the Jiangxi Bank. The Jinxian branch of this bank is currently facing severe competition in China because of the country’s financial industry reforms. The Jiangxi Bank Co., Ltd. is basically a commercial bank, and it offers such services like public deposits, loans, domestic settlements, foreign exchanges and more (Bloomberg, 2017). It serves clients from China.
There are many challenges the branch face in terms of customer service, non-performing loan ration, and other settings. This work analyses some service process issues of the bank and some credit process issues.
Specific operational elements that would be assessed in this work are the 1) customer waiting time management in both bank physical outlets service process and electronic management, 2) Credit management (non-performing loan ratio, employee execution force)