With the continuous development of the world economy and the adjustment of industrial structure in various countries, the proportion of agriculture has declined, and the share of the financial industry has gradually increased, forming a situation in which the financial industry occupies a major share in the national economy. Since China joined the WTO, it has continuously improved its multi-level and multi-functional financial market system, and its banking transactions and information system services have been improved day by day. At present, China has basically established a securities and futures market, a money market and an inter-bank foreign exchange market to achieve diversified development, including commercial banks, social security funds, trust companies, securities companies, insurance companies and other institutions.

It is the first time to introduce six sigma management in the financial industry. It may not be so smooth for enterprises to consider what projects to choose. It may take some time and even some repetitive processes. But this is an indispensable and important work in the financial industry, which needs to spend more time.

A good beginning is half the battle, and choosing a good financial industry project is the key to the success of Six Sigma management. However, when the financial and insurance industry chooses Six Sigma management company, there are often some problems and mistakes, such as:

1. The problem to be solved by the project has nothing to do with the development priorities of the enterprise or the needs of key customers, so it can't reflect the value of the project and can't get the support and commitment of the management.

2. The improvement content of the financial industry is not the CTQ of customers. After the implementation of the project, there is no improvement and no effect. This kind of problem is also not suitable for being selected as a six-horse project.

3. Without analyzing and decomposing the project, it is directly regarded as an improvement project, which leads to too many factors, too large a project, unable to grasp the key points, and it is difficult for financial industry projects to achieve their goals. The project should be broken down into several specific six horse-suitable projects.

4. The causes of the problems to be solved have been clarified, and the action measures have been preliminarily determined. Such problems should be solved immediately, instead of being selected into the six major projects of Yima, so as to avoid going through the motions and engaging in formalism.

5. The project metrics are not clear or the project objectives are not challenging. This kind of problem wastes resources, is meaningless, and is not suitable for being selected into the Six Sigma project.

6. The project is too difficult, which is beyond the ability or authorization of the project team.

7. The space for project improvement is too small, the expected income is too low, and the enterprise can't get the due return.

The development trend of financial industry also indicates the development trend of China's financial industry. After 1980s, Chinese banks started securities, trust, leasing, real estate, investment and other businesses, and in essence entered the era of "mixed operation".

Two, the financial and insurance industry to implement the benefits of six sigma

(A) to enhance enterprise management capabilities

Six Sigma management is driven by data and facts. In the past, enterprises' understanding of management and management theory mostly stayed in words and writing, and Six Sigma (Six Sigma) turned all this into practical and effective actions. Six Sigma management method has become synonymous with the pursuit of perfect management.

As Welch pointed out in the annual report of General Electric Company in 2000: "The high quality created by Six Sigma management miraculously reduced the waste in the complicated management process of General Electric Company in the past, simplified the management process and reduced the material cost. Implementing Six Sigma management has become one of the necessary strategies and signs for introducing and promising high-quality innovative products. "

Six Sigma management gave Motorola more motivation to pursue the goal that seemed almost impossible at that time. In the early 1980s, the company's quality target was to increase by 65,438+00 times every five years. After the implementation of Six Sigma management, it was changed to 10 every two years, creating a miracle of 100 improvement in four years.

The statistics of foreign successful experience show that if enterprises fully implement Six Sigma (Six Sigma) innovation, they can raise a σ level every year until it reaches 4.7σ without large capital investment. During this period, the improvement of profit rate is very significant. And at 4.8σ, it will increase again. The level needs to redesign the process and increase capital investment, but at this time, the competitiveness of products and services has improved and the market share has increased accordingly.

(two) can save the operating costs of enterprises.

For enterprises, all bad crystals are either scrapped, or need to be reworked, or need to be repaired and replaced at the customer's site, which will cause costs to enterprises. According to American statistics, the cost directly related to quality problems of a company implementing 3σ management standards accounts for 10% ~ 15% of its sales revenue. During the period of 1987 ~ 1997 when Six Sigma management was implemented, the accumulated cost saved by Motorola due to six suitable horses (six suitable horses) has reached1400 million dollars. The implementation of Six Sigma (Six Sigma) management saved Honeywell 600 million dollars every year from 65438 to 0999.

(C) can increase customer value

The implementation of six sigma management can enable enterprises to realize a virtuous circle from understanding and meeting customer needs to maximizing profits: companies first understand and master customer needs, and then reduce randomness and error rate by adopting the Six Sigma management principle, thus improving customer satisfaction.

The medical equipment department of General Electric created a new technology after introducing Six Sigma (Six Sigma) management, which brought a revolution in medical testing technology. In the past, it took 3 minutes for patients to have a general examination, but now it only takes 1 minute. Therefore, the hospital has improved the equipment utilization rate and reduced the inspection cost. This is a satisfactory result for companies, hospitals and patients.

(4) Improve the service level.

Six Sigma (Six Sigma) management can not only improve product quality, but also improve service process, so the customer service level can be greatly improved.

A Six Sigma (Six Sigma) management team in the lighting department of General Electric successfully improved the payment relationship with its largest customer, Wal-Mart, which reduced the billing errors and disputes by 98%, not only accelerated the payment, but also coordinated the mutually beneficial cooperation between the two parties.

(5) Can form a positive corporate culture.

Under the traditional management mode, people often feel at a loss, don't know their goals, and work is in a passive state. By implementing Six Sigma management, everyone knows what he should do and how to do it. The whole enterprise is full of enthusiasm and efficiency. Employees attach great importance to quality and customer requirements and strive to do their best. By participating in the training and mastering standardized and standardized problem-solving methods, the work efficiency is obviously improved. With strong management support, employees can focus on their own work and reduce and eliminate fire fighting activities at work.

Iii. Suggestions and opinions on the implementation of Six Sigma in the financial and insurance industry:

Never get six horses for publicity, so you will get nothing but loss.

② Use Six Sigma as a tool, and eventually you will find that Six Sigma is no different from other tools in solving problems. That's not the case. Six Sigma is much bigger than you think.

③ The positioning of the person at the top of the enterprise pyramid is the positioning of the enterprise for six suitable horses. If he is right, support him; If he is wrong, resolutely oppose him and take this book. The advantage of this is that you can finally avoid wasting money.

If you are a department manager or engineer, don't try to sneak around and do a six-horse project yourself, and then expect to be welcomed and treated like a hero by the enterprise. You are likely to encounter failure, sniper fire and even dismissal notice.

⑤ In the implementation of Six Sigma, no matter how bad the planning is, it is far better than no planning. Because this plan gives you a road map, even if it is wrong, you must always take the first step. With this first step, the road will be much easier and the map can be changed.

⑥ Don't make a road map (plan) to promote Six Sigma before receiving propaganda training and formal discussion. Because it is likely to mislead other people's children.

⑦ The sooner the decision to implement Six Sigma is made, the better, but it is not too late to start now.

⑧ It is necessary to prevent the risks caused by excessive greed on the issue of fully or partially promoting the six suitable horses, but for China enterprises, it is more important to prevent the small-scale and stagnation caused by the misunderstanding that "a single spark can start a prairie fire".

In 1996, Sima was just like you. If you are generous to others, he will be generous to you. If you are stingy with others, he will be stingy with you.

Four. Since 16, Zhang Chi Consulting has been focusing on providing Six Sigma open training and project consultation for the financial and insurance industry. (Six Sigma, Lean Six Sigma, design for six sigma)

1. Six Sigma training is divided into: green belt, black belt and green belt and black belt.

2. The training cost of Zhang Chi Liusima open class is between 8,000 and 40,000 yuan. There are fixed courses every month.

3. There are three training methods: open class, internal training and consulting (project counseling).

Assist customers to use the overall methodology of lean six sigma consulting to improve the efficiency and effectiveness of enterprise operation, improve the quality of products and services, reduce the cost waste in the whole operation process, consolidate and continuously improve the organizational culture of pursuing perfection, thus achieving excellent operational performance, ensuring the best business profitability of the organization and bringing more lucrative profits to the enterprise.