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Ong Edward Zou, Pho chu tich phu trach Quan ly Sin pham Oracle Fusion Middleware, Khu vuc Chau A Thai Binh Duang va Nhat Bin eho ring: Ddi vdi cac ngan hang, mot khuynh hudng bao gom [r]
(1)Toi ini hoa quy trinh n^
Nhirng doi hoi cap thiet J cua nganh ngan hang ^^ |
Nghien ciiu mdi day ciia IDC du bao, nginh Ngan hang khu vuc Chau A Thii Binh Duang se trai qua nhieu Men dong nhiing dieu chinh quy dinh cua ea quan quin ly vi eac hoat dong hop nhat Ddng thdi, vdi nhiing dau Meu ve hoi phuc kinh te, nhiing ngan hang ldn khu vuc cUng co the trd nen quyet liet hon viec thu hiit khach hang va trien khai cac ke hoach md rong hoat dong tam khu vuc Tuy nhien, nhiing hoat ddng cd the bi tic dong manh me bdi yeu cau ve quan ly hoat dong kinh doanh va ludng thong tin cong viee phiie tap cUng nhu la cache thdng tan mat Men ed
Ong Edward Zou, Pho chu tich phu trach Quan ly Sin pham Oracle Fusion Middleware, Khu vuc Chau A Thai Binh Duang va Nhat Bin eho ring: Ddi vdi cac ngan hang, mot khuynh hudng bao gom nhieu gai doan su dung cac gai phap quin ly quy trinh nghiep vu (business process management - BPM) co the giiip ho thiic day sing tao van co the nang cao duae hieu suat cong viec, thiie day sing tao va tiet kiem chi phi hoat dong dai han
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T H U C D A Y S A N G T A O T R E N CAC L U O N G C O N G V I E C D U ' g C T O I U'U H O A
Khi edng bd ban bao eao cd tieu de: "Chien lugc
Kinh doanh: Hop nhat ngan hing ta: Chau A Thai Binh Duang - Nhiing ngan hang nio t: - gf thinh cong eao nhat nam 2010?" [os, IDC
Financial Insights khu vuc Chau A Thai Binh D rong, thang 12 nam 2009), dng Michael Araneta, Giaii d V
(2)CONG NGHE - G I A I PHAP
Quy trinh nghiep vu ciia cac ngan hang cang phiic tap hon
Cao cap ve Tu van va Nghien cim tai IDC Financial Insights khu vuc Chau A That Binh Duong da khdng dinh rdng: " Cic ngan hing ldn se trd nen vugt
troi han nQa vi se gay nhiing ip luc ldn han ve gii Ve phuang dien nio do, cie ngan hing nho se gap rat nhieu kho khan phit trien."
Cae Ngan hang tai Chau A, du la d quy md ldn hay nhd, deu mong mudn trd nen linh hoat hon va thieh nghi duge vdi thi tmdng nang ddng Hg can phdi tim Mem nhung phuong thuc mdi de hgp tac vdi khaeh hang, xay dung dugc nhiing mdi quan he gan gui hon va cung cap nhung dich vu tdt hon van cd the edt giam duge chi phi Hg cQng can phai tuan thu cae yeu cau quy dinh, dat dugc tinh kha Men cao hon ve eac boat ddng cua minh va quan ly rui ro dugc tdt hon Nhung dieu quan trgng la, hg can phai thuc day sang tao tren pham vi toan bd td chuc, vdn thap ehi phi nhd cac ludng cdng viec duge tdi uu hda
Tuy nhien, tiing doanh nghiep, van ed nhieu Meu quy trinh khae nhau, bao gdm ed eac quy trinh cua eon ngudi, he thdng, van ban, cac quy trinh hudng quyet dinh va eac quy trinh phi cau tnic NhQng quy trinh dd thudng ddi hdi nhQng cdng cu va cdng nghe khae de qudn ly, va dan dan cae ngan hang ed the se cd mdt sd lugng ldn cac
sdn pham Quan ly Quy trinh Nghiep vu (Business Process Management - BPM) Thdng thudng, nhung san pham BPM dd la mdt tap hgp ciia eae edng cu vdi muc dd tieh hgp tdi thieu Ngoai ra, chung tdi edn thay rang chinh phan ngudi lam eho viee quan ly eae quy trinh trd nen khd khan hon Nd bao gdm ngudi, td chuc, va each de hg phan img tmdc nhung bien ddng, dac biet la nhung hinh dung ve quy trinh lai khdng dung vdi nhung gi thue te
H I E U B I E T V E Q U A N LY Q U Y T R I N H N G H I E P V U
Ndi mdt each don gian, Qudn ly Quy trinh Nghiep vu (BPM) ddng nghia vdi quan ly thay ddi Lgi ich eua BPM la d chd nd mang lai hieu suat, tinh kha Men va tinh linh boat cao hon cho cac doanh nghiep
Trong sudt 20 nam qua BPM thudng bi gdn vdi boat ddng tai thiet quy trinh nghiep vu (business process reengineering) dd eae nha tu van ben ngoai den doanh nghiep va trien khai nhung boat ddng sau rdng, bao gdm ca cac quy trinh mdi, ludng cdng viec mdi va tai thiet lai nhieu boat ddng khae
n h a u '"•• '• • ' • - • •
(3)CONG NGHE - G I A I PHAP
hi - BPA
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w Shared BPNfN
Model
J-' - t: Worklrst Process Portal
3.1
BAM Bl
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BPM Studio (witti Business and IT view)
BPMN 2.0 BPEL
BPEL BPMN 2.0 Process Core
Human Task (BPEUPeopie)
Business Rules
SCA
BPM Server
| i O O
Enterprise Manager
Mot phan cau true BPIVl cho cac to chiic va doanh nghiep
mdi da ddi, giup cho BPM mang tinh xa bdi va cgng tae cao hon, ed bao gdm ea each thuc ma eac can bd nghiep vu lam viec vdi eac ben lien quan, de vugt qua nhung thach thuc ve quan ly thay ddi xdy ddi vdi cac ngudi va td chuc mdt each bleu qua hon NhQng cdng nghe phan mem mdi cdn tang eudng sue manh cho ngudi dung eac bd phan nghiep vu de hg dat dugc hieu suat lam viec cao hon bdng eac edng eu lay ngudi dung lam tmng tam rat de sir dung doanh nghiep Oracle da sir dung Mnh nghiem cua minh qua trinh lam viec vdi hon 600 td chuc tai ehinh de xay dung nen mgt kho quy trinh (Process Repository hay la Md hinh Tham chieu Nganh) bleu suat cao, bao trim todn bd cac quy trinh nghiep vu cua mdt ngan hang Duge phat trien dua tren cac edng cu BPM va phan mem ldp giQa Fusion Middleware cua Oracle, kho quy trinh cung cap cho cac ngan hang mdt ndn tang vung chdc cho cac hoat ddng BPM cua hg
Neu mdt bd phan nghiep vu ciia mdt ngan hang dang tim each thiet ke (hoac tai thiet ke) mdt quy trinh toan ndi bd ngan hang va glQa ngan hang dd vdi mdt ngan hang toan bu tru (clearing house), nhiing edng eu phan mem mdi dugc phat trien dua tren cac he thdng md ed
the dam nhiem mdt vai trd hd trg quan trgng toan bd quy trinh hgp tae giQa cac can bd nghiep vu Dieu quan trgng la eac can bg nghiep vu true tiep sir dung cdng nghe BPM de xay dung va quan ly eac quy trinh hudng eon ngudi, hudng he thdng va hudng tai Ueu cd the cung cap nhQng thdng tin chinb xae mgt each hieu qua Chang ban nhu, ngan hang China Tmst Commercial Bank da su dung img dung core banMng FLEXCUBE cimg vdl cdng nghe BPM eua Oracle de ddng bd hda boat ddng xu ly tai trg thuang mai cua hg dat bleu suat cao
CAC DICH vy TOT HQN, SANG TAO HON Vai BPM
Taishin Bank, mgt ngan hang tu nhan cung cap cae dich vu ngan hang ca nhan va ngan hang doanh nghiep, da trien khai mdt He thdng Quan ly Quy trinh Nghiep vu va Hinh anh Doanh nghiep Tieh hgp (Integrated Enterprise Imaging and Business Process Management System - IPMS) dua tiren nen tang Oracle Fusion Middleware tic injn >,5 mang ludi 105 chi nhanh cua minh tren kht, • j Q^ Loan Ngan hang udc tinh la se xir I^ i o.Qoo giao dich mdi va tiet Mem dugc 1,5 neu (JQ la My mdi nam he thdng dugc trien ^^
(4)CONG NGHE - GIAI PHAP
DalabsM R8iằdôn[H Java JusMn-Tlme CtiofH5ôon PoiOl ã Compilor
Query Rfisurt eitoni Sl(t» Cashing
Up to 2O«eonn»cil0ns
U p l o 11 * Faster
yptO' 25% Fs*wr
Up to
2 % FaslJOiT
BAC PBrlformsnce Or»cla S«C4ini Backup
OnwIaSiireitrus I OptinnbtBr Sl»is ^ihancsmarel!; I CstlecUon
Up ta 74% FBslar
U|:i1w 2S% Fasler
Hieu qua mang lai tii BPM
tat ea cac boat ddng Mnh doanh tai chinh tieu dung, eho vay mua nha, the tin dung, quy ddi ngoai hdi vao cudi nam 2010
Ngoai ra, he thdng mdi cdn dugc ky vgng la se cung cap mdt phuong thuc hieu qua cho Taishin Bank de gidi thieu eac ludng edng viee tu ddng mdi hoat ddng xir ly eae nghiep vu quy ddi ngoai hdi va chuyen tien Vdi nen tang IPMS doanh nghiep tieh hgp, toan bd cac chl nhanh cua Taishin Bank se cd the xu ly eae giao dich quy ddi ngoai hdi vi he thdng eho phep tmyen yeu cdu cua khach hang
mdt each dd dang va phan bd cae tae vu mdt each hieu qua cho cac chi nhanh de xu ly nhiing the loai giao dieh eu the
AP DUNG CACH TIEP CAN NHIEU G I A I DOAN
De tranh tac ddng xau cua boat ddng tai thiet (re-engineering), tdt hon bet la ap dung each tiep can qua nhieu giai doan dua tren bdn nguyen tde dudi day:
1 Thau bleu mgi thu Tmdc bdt dau bat ky
configure SOA seMngs
t
jsrctileBfW Comoosts Templots: • Protect SOA Settbifp Em(*y Comcostc
ConvMte MUh BPEL Pracoss 'Conpoate VAth Business Rule 'fotrfixHt! wah rViddtor iCwipwito With HjfMn Task IConvoste Vrtth Soiinj Cartort fMmiiiim.i- Liijmm
BPMSI process:
(5)CONG NGHE - GIAI PHAP
boat ddng BPM nao, hay soat lai de tim hieu ve eae mue dieh va muc tieu Mnh doanh tdng the, liet ke toan bd cae boat ddng Mnh doanh va uu tien nhiing linh vuc trgng yeu Tai cac thdi diem thich hgp, danh gia lai tinh hinh tmdc chuyen sang giai doan tiep theo
2 Phan chia toan bd mdt du an nhieu giai doan vdi nhung ban chdt va muc tieu thue te Dieu dd cho phep nhidu ben Uen quan khae nhu la eac riha phan tieh Mnh doanh, cac bd phan nghiep vu va ddi tac cua hg edng tac mdt each hieu qua va dd dang
3 Dam bao mdt quy trinh tieh IQy Thay vl cd eac giai doan tach biet, hay ed gdng dam bao rdng eac giai doan sau la dua tren giai doan tmdc dd de dam bao tich hgp dd dang va thdng tin thdng sudt tren toan bd td chuc
4 Hd trg cae tieu chuan md Tim Mem cac cdng eu va cdng nghe phan mem khdng chi hd trg dugc each thuc boat ddng cua doanh nghiep mdi tmdng Mnh doanh va xa hdi nang ddng hien ma cdn dua tren eae tieu chuan md Dieu dd se dam bao dugc su tich hgp de dang ed d hien tai va tuong laL
Trong mdt cude khao sat gan day dugc thuc hien
vdi hon 200 khach hang doanh nghiep cua Oracle, ve viec hg da phai mat bao nhieu thdi gian de hoan cac du an cua minh, khoang 63% sd khaeh hang ehi mat khdng day thang de hoan tiianh eac du an cua minh, cd tdi 23% sd hg trien khai BPM chi vdng thang GiQ eho eac du an duge thuc hien thdi gian ngdn va ludn ndm tdm Mem soat se mang lai cho doanh nghiep nang luc Mem soat tdt nhQng thay ddi va eho phep ngudi dimg - du la bg dang lam viee eung tai mdt dia diem, mdt qude gia hay tham chi la giQa cac miu gid khae - thich img vdi nhung thay ddi dd
Ddi vol cac nha lanh dao eua eae ngan hang, nhung nguyen tde hudng dan cung vdl eae cdng cu va cdng nghe phan mem mdi se giup hg can ddi giQa thuc day sang tao va nang cao hieu suat mdi tmdng Mnh doanh Unh ddng hien Hg ed the dua vao BPM de ket ndi ngudi, cac he thdng va img dung, qudn ly vdng ddi vdi nhung giai doan quan trgng bao gdm cae cdng tac vao hinh hda, tu ddng hda, quan ly va tdi uu hda
Dd cung la ehinh la ly tai Gai, j ^k^^^ cdi tidn quy trinh nghiep vu la uu tien sc not cua cac CIO nam 2010 va 2011