Question

请各位好心的高手帮帮忙！谁能帮我翻译一下论文摘要?快要赶不上论文答辩了！555～

摘 要

随着中国经济形势和经济增长结构的日益变化，国内商业银行所处的市场格局正处于急剧变化当中，最集中的体现即为：传统公司金融的存贷款业务逐渐脱媒，国际结算、资金管理、金融中介等方面的新兴业务逐步加媒，商业银行收益结构正发生变化，新兴业务比例逐渐上升，在大客户中体现得尤为明显。与此同时，随着外资银行的进入，国外银行先进的管理理念和产品创新能力使得国内银行业间的竞争不断加剧。
面对变化与挑战，国内商业银行只有顺势而为、实施战略转型才能在变化中抢占先机。要开拓国内商业银行公司金融领域新的“蓝海”，就要突破传统的金融发展模式，从单一的“生产金融”向“生产金融”、“交易金融”、“运营金融”三足鼎立的模式转型，在转型的业务战略上要不断实施产品创新、寻找新的盈利模式；在转型的管理战略上则需要一种新的运营模式来实现创新产品或成功业务模式的快速复制和迅速传递，进而实现新盈利模式的战略转变。RPC运营模式的探讨就是为了寻找这样一种在国内商业银行战略转型过程中所适合的运营管理模式。
RPC运营模式包括了商业银行在提供公司金融服务过程中所涉及的“客户关系（R）”、“银行产品（P）”、“服务渠道（C）”三方面的管理内容，它突破了传统的以银行金融产品为条线划分的银行组织架构下的服务运营模式，强调业务扁平化和服务高效率，其目标即为建立起低成本、高效率、既专业分工又跨部门协作的公司金融运营模式，提高内部资源调动及整合能力，具体包括：专业化的客户关系（R）管理团队能配合客户所需，能为客户提供优质服务，从而增加客户对银行的盈利贡献；规范化的产品（P）管理团队能根据急速的市场变化及复杂的客户需求，适时开发具竞争力的产品，以符合客户要求，加大产品的盈利贡献；全方位的渠道（C）管理团队能支持业务发展，并能根据不同层级的客户提供优质、灵活、快捷及标准统一的客户服务。
RPC运营模式的提出是为了解决现有的运营模式中存在的部门之间管理错位和缺位、沟通成本过高和效率低下等问题，通过R、P、C三方面职能的重新定位来保证在满足公司客户需求的过程中分工的专业化和合作的高效率，其成功运用离不开“三位一体的组织架构”、“导向一致的激励约束机制”和“统一集中的IT平台” 这三大支柱。 RPC运营模式的有效实施可以在一定程度上加强公司金融的集中化管理，使得客户分层管理更加充分和科学，可以更有针对性地对各层级的客户需求提出解决方案，同时加强了信息沟通和共享，提升了服务效率。
如何让RPC运营模式在商业银行的实际工作中得以落地？我们可以依托IT工作平台、通过标准化的岗位职责和工作流程，以“工作流”的形式使得客户营销和服务的每一个过程信息在R、P、C部门之间循环往复，做到信息充分对称，从而实现客户收益最大化、产品收益最大化以及运用成本最优的目的。
通过文中一个成功的案例，我们可以更加清楚地看到，RPC运营模式为解决商业银行所需要的低成本、高效率地为客户提供差异化服务和创新性产品提供了有效的帮助。在商业银行寻求公司金融战略转型的历史时期，新的商业运作模式的成功不仅可以提升商业银行的服务价值、开创新的盈利模式，还可以转化为商业银行的核心竞争力、增强商业银行的竞争实力。
本文最大的特点在于结合工作实际，创新性地提出了RPC这一新的公司金融运营模式，并尝试着对RPC运营模式下组织架构如何设立、职能如何定位、如何进行考核、建立怎样的IT工作平台、如何在工作中具体实施等问题进行了探讨，具有较强的操作指导性。

关键词： RPC 运营模式 商业银行 公司金融

Answer 1

As China's economic situation and economic growth in the changing structure of the domestic commercial banks in which the market is in a rapidly changing, the largest concentration of which is reflected in: the traditional financial companies of deposit and loan business gradually from the media, international settlement, fund management And financial intermediation in emerging areas such as business gradually increase the media, business receipts in the banking structure is changing, gradually rising proportion of new business, reflected in the customer even more obvious. At the same time, with the entry of foreign banks, foreign bank advanced management concepts and product innovation makes the domestic banking sector competition intensified.
In the face of change and challenges, domestic commercial banks and the only advantage of the opportunity for the implementation of the strategic restructuring in order to seize the opportunity in change. To open up the domestic commercial banks, finance companies in the field of the new "Blue Ocean", it is necessary to break the traditional mode of development finance from a single "production of the financial" to "finance the production," and "financial transaction" and "financial operations" of the tripartite model of transition , In the transformation of the business to continue to implement the strategy on product innovation, find new profit models; in the management transition strategy will require a new business model or product innovation to achieve a successful business model of rapid replication and rapid delivery, and achieve The new model of strategic change in earnings. RPC mode of operation is to find a domestic commercial banks during the transition strategy for the operation and management model.
RPC mode of operation, including the commercial banks in the provision of financial services companies involved in the process of "customer relationship (R)", "banking products (P)", "channel services (C)" in three areas of content management, which broke through the traditional The bank line of financial products for the division of the bank's services under the framework of the business model, the emphasis on business services and flat-efficient, and its goal is to build low-cost, high efficiency, not only the professional division of labor and inter-departmental co-financial companies Business model to enhance the mobilization of internal resources and the ability to integrate, including: professional customer relationship (R) management team in line with customer requirements, be able to provide customers with quality services to customers in order to increase profitability of the banking sector to contribute; standardization of the product ( P) management team based on the rapid changes in the market and the complex needs of customers, the timely development of competitive products to meet customer requirements, contribute to increase the profitability of the product; a full range of channels (C) management team will support business development, And according to different levels of customers with high-quality, flexible, fast and uniform standards of customer service.
RPC's business model is proposed in order to solve the existing business model exists in the dislocation between management and lack of communication and the high cost and low efficiency and so on, through R, P, C three functions to ensure the re-positioning in the To meet the needs of corporate clients in the process of division of labor specialization and cooperation in the high-efficiency, and its success can not be separated from the use of the "three-in-one organizational structure" and "consensus-oriented incentive and restrictive mechanism" and "focus on the reunification of the IT platform" of the three pillars . RPC's business model can be effectively implemented to a certain extent, to strengthen the company's centralized financial management, management by enabling customers to more fully and science, can be more focused on the level of customer solutions, while strengthening information communication And sharing to enhance the efficiency of the service.
RPC model of how to operate in the Commercial Bank of practical work to fall? We can rely on the work of IT platform standardization of work processes and job responsibilities, "workflow" made in the form of marketing and customer service information in the course of each R, P, C between cycle, so that full information symmetry In order to achieve customers to maximize revenue, product revenue, as well as to maximize the use of cost-optimal.
In this paper, through a successful case, we can see more clearly, RPC mode of operation of commercial banks to address the needs of low-cost, high efficiency and provide customers with differentiated services and innovative products that provide effective help. In the commercial banks to seek the company of the financial strategy of the historical period of transition, the new mode of operation of the commercial success of not only commercial banks can raise the value of the services, create a new profit model can also be converted into commercial banks at the core competitiveness and enhance the competitiveness of commercial banks实力.
This article is to combine the characteristics of the largest real work, innovative RPC put forward the new finance company business model, and try to operate on the RPC model of how to set up the organizational structure, how the functions of the position, how to assess and establish what kind of IT work Platform, how to work the implementation of the specific issues were discussed, with strong operational guidance.

Answer 2

Along with the Chinese economy and the change of the structural economic growth in domestic commercial Banks, the market structure is in drastic changes, the most concentrated embodied in the corporate finance: traditional GRC gradually off, international settlement, fund management, financial intermediary, etc, and gradually emerging business income structure of commercial Banks are changing proportion of emerging business clients in rise gradually, particularly in. Meanwhile, with the foreign Banks, foreign Banks advanced management concept and product innovation ability of domestic Banks that increasing competition.
Facing the challenge and change, domestic commercial Banks to go only for implementing strategic transformation, changes in shares. To develop domestic commercial Banks company financial field, "new" blue ocean will break the traditional financial development mode, and from a single "production financial" to "production", "trading financial financial" and "operation mode of financial" in transition, establish the transition to the business strategy implementation of product innovation, constantly seeking new profit model, In the transformation of the strategic management requires a new operation mode to achieve innovative products or successful business model, and quickly copy to realize new profit pattern of strategic transformation. RPC operation mode is to look for the discussion in domestic commercial Banks strategic transformation process for the operation management mode.
RPC operation mode includes commercial Banks provide financial services company in the process of "customer relationship (R)", "banking products (P)" and "service channel (C)" three aspects of the management, it breaks through the traditional content of banking products in the bank for the line dividing the framework, emphasizing business service operation mode, the service efficiency and flattening target for establish low cost, high efficiency, both professional and interagency collaboration division of the company financial operation mode, improve internal resources conformity capabilities, and mobilize include professional customer relationship management team (R) with customers, to provide quality service for customers, thus increasing the contribution of bank customer profitability, Standardized products (P) management team can according to market changes and complex rapid development of customer demand, the competitive products to meet customer requirements, increase the profitability of products; Comprehensive channels (C) management team to support business development, and according to the different levels of clients, flexible and convenient and standardization of customer service.
RPC operation mode is put forward to solve the existing operation mode of department of management, and between the malposition communication costs and inefficient, through R, P, C three aspects of functions to ensure customer demand in the company in the process of specialization and division of labor efficiency and its successful cooperation can "trinity", "the structure of the incentive-restricted mechanism of consensus guidance on the" unity "and" the three pillars of IT platform. Effective implementation of RPC operation mode can be in a certain extent, strengthen financial management, the company centralization customers more fully and scientific management of stratification and can pertinently for different levels of customer demand, and put forward solutions to strengthen the communication and information sharing, and to promote the service efficiency.
How to make RPC operation mode of commercial Banks in the actual working in the ground? We can work platform, by relying on IT the responsibilities and standardization "workflow working process, in the form of" customer service and marketing of that each process information in R, P, C, between departments supirior information asymmetry, in order to achieve full customer utility maximization, product utility maximization and cost of using the optimal objective.
Through the success of a case, we can see more clearly, RPC operation mode solution for commercial Banks need low cost, high efficient service for the customer provides differentiation and innovative products to provide effective help. In the commercial Banks to seek company financial strategic transition period of history, the new business model not only can improve the success of the commercial Banks, and create new value service and profit pattern can be converted into commercial Banks, enhance the core competitiveness of competitive strength of commercial Banks.
This is the biggest characteristic creative mearnwhile, puts forward a new company RPC financial operation mode of RPC, and try to the organizational structure mode, how to function, evaluation, establish how IT works, how to work in platform specific implementation issues discussed, with strong operation guidance.

Keywords: RPC operation mode of commercial Banks corporate finance