Almost all business process of the banks in China has serious abuse, just function as a "department bank" but not "processing bank". This leads to the limitation of the customaries service, creation and risk defense. Once problem occurs, department pass the buck to each other. The organization structure and business process have to changed and rebuild on the base of "processing bank", but not "department bank". "Processing bank" is based on process, which if formed by a series of relevant department coordination. Processing bank provide value-added service to the customer, and merge unwanted or overlapped departments, with more efficiency and ability of competition, it also reduce the cost of the process. With rebuilding the processing, organization structure and culture, comprehensive (not just fixing) improve the model of the bank.