在流程优化方面，根据流程优化的原则和方法，指出天津分行原有流程的不足，以风险审批流程和新产品开发流程为例说明天津分行是如何从满足客户需求出发进行流程优化的。

Thirdly, on process optimizing, the author shows how SDBTJ carries on a new process optimizing by using accepted principle and means and an example of risk examination and new product development.

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