中文：

流程银行是一种以流程为核心的银行业务模式，其基本特征是按照业务流程来组织企业资源和信息，实现银行业务的自动化、标准化和智能化。流程银行的出现是为了克服传统银行部门化、分段式、按产品分类的作业方式带来的弊端，实现银行业务的灵活性和快速响应。

流程银行的核心是流程化、模块化、标准化的业务流程，这些流程包括客户开户、贷款申请、信用卡申请等。流程银行的业务流程是按照客户需求和风险点来设计的，实现了信息的高度集成和跨部门的共享，提高了银行业务的效率和质量。

流程银行具有以下优势：一是提高业务处理效率，减少人工干预和操作风险；二是实现跨部门的协作和信息共享，提高银行内部沟通效率；三是快速响应客户需求，提高客户满意度；四是实现灵活的产品和服务创新，增强银行的竞争力。

英文：

Process bank is a business model of banking based on processes. Its basic feature is to organize enterprise resources and information according to business processes to achieve automation, standardization and intelligence of banking business. The emergence of process banks aims to overcome the drawbacks of traditional bank departmentalization, segmented, and product-based work methods, and achieve flexibility and rapid response of banking business.

The core of process banks is the modularized, standardized and streamlined business processes, including customer account opening, loan application, credit card application, etc. These processes are designed based on customer needs and risk points, which achieve high integration of information and cross-department sharing, improving the efficiency and quality of banking business.

Process banks have the following advantages: first, improve the efficiency of business processing and reduce manual intervention and operational risks; second, achieve cross-department collaboration and information sharing, improve internal communication efficiency; third, quickly respond to customer needs and improve customer satisfaction; fourth, achieve flexible product and service innovation to enhance bank competitiveness.