中国农业银行运营管理体系研究

发布时间：2018-01-02 08:27

本文关键词：中国农业银行运营管理体系研究　出处：《中央民族大学》2013年硕士论文　论文类型：学位论文

【摘要】：近年来,随着信息技术的迅猛发展和广泛应用,国际银行业纷纷重新构造业务流程和组织方式,创新风险控制模式、整合信息科技系统,对运营管理进行根本性再造,寻求最佳运营解决方案。中国农业银行作为我国大型国有控股商业银行之一,其发展愿景是打造国际一流的现代化商业银行。近些年,该行一直沿袭“网点全功能,柜员全流程”的作业模式。这种模式的弊端是服务效率低下,作业成本高企,风险高度扩散。随着业务量增加、客户对银行服务效率的要求以及操作风险管理的要求越来越高,这种模式越来越难以为继。主要表现为：一是运营体系还不能适应农业银行未来跻身于国际一流商业银行的战略目标；二是运营模式无法满足客户便捷、高效、安全的需求；三是运营能力难以满足日益丰富的金融产品和迅速增长的交易量的作业要求；四是运营作业还不能有效释放营业网点的价值；五是运营操作风险控制薄弱环节和隐患仍然很多。本文要研究的内容,就是如何打造快捷高效的现代商业银行运营体系,提高组织管理水平,提升运营能力,推进业务发展,最终提升企业的核心竞争力。本文作者在我国一家大型国有商业银行从事运营管理工作多年,具有丰富的商业银行运营管理工作经验。在本文中,作者通过研究参考运营管理、商业银行经营管理等相关文献,并赴国内多家商业银行进行实地调研,拜访商业银行运营管理领域的多位专家。研究中作者运用了多种研究方法,分析国内外多家商业银行运营管理工作的体系和机制,最终根据现代商业银行集中运营的发展趋势,结合中国农业银行运营管理体系的现状与不足,提出了农业银行建设现代运营管理体系的详细设计。本文在前人研究和总结的基础上,重点围绕如何建立前中后台分离的集中运营管理体系展开研究。通过系统的理论梳理、详细的实证分析、严密的科学论证等手段,提出农业银行现代运营管理体系建设的设计方案,为我国商业银行现代运营管理体系建设提供理论支持。通过本文的研究,最后得出了我国商业银行在建设现代运营管理体系的基本框架和后台中心建设的具体方法,并能在各商业银行打造现代运营管理体系的实践过程中起到启发和指导作用。
[Abstract]:In recent years, with the rapid development and wide application of information technology, the international banking industry has reconstructed business process and organization mode, innovated risk control mode, integrated information technology system. The agricultural bank of China is one of the large state-owned holding commercial banks in China. Its development vision is to create a world-class modern commercial bank. In recent years, the bank has been following the "network full function, the whole process of teller" operation mode. The drawbacks of this model is low service efficiency. With the increase of business volume, customers' requirements for the efficiency of banking services and operational risk management requirements are becoming higher and higher. This model is becoming more and more difficult to continue. The main manifestations are as follows: first, the operation system can not adapt to the future of the Agricultural Bank of China into the international first-class commercial bank strategic objectives; Second, the operation mode can not meet the needs of customers' convenience, efficiency and security; Third, it is difficult to meet the operational requirements of the increasingly abundant financial products and the rapidly increasing trading volume. Fourth, the operation can not effectively release the value of business outlets; Fifth, there are still a lot of weak links and hidden dangers in operational risk control. The content of this paper is how to build a fast and efficient modern commercial bank operation system, improve the level of organization and management, and enhance operational capability. Promote business development, and ultimately enhance the core competitiveness of enterprises. In this paper, the author engaged in operation management of a large state-owned commercial bank in China for many years, and has rich experience in the operation and management of commercial banks. In this paper, the author refers to the operation management through research. Commercial bank management and other related documents, and went to a number of domestic commercial banks to carry out field research, visiting a number of experts in the field of commercial bank operations and management. The author used a variety of research methods. This paper analyzes the operation and management system and mechanism of many commercial banks at home and abroad, and finally, according to the development trend of centralized operation of modern commercial banks, combined with the current situation and shortcomings of the operation management system of Agricultural Bank of China. The detailed design of modern operation management system of Agricultural Bank is put forward. On the basis of the previous research and summary, this paper focuses on how to establish the centralized operation management system which is separated from the front and the background. Through the theoretical analysis of the system, a detailed empirical analysis. Strict scientific proof means, put forward the agricultural bank modern operation management system construction design plan, for our country commercial bank modern operation management system construction provides the theory support. Through this article research. Finally, the basic framework of the construction of the modern operation management system and the concrete method of the construction of the backstage center of the commercial banks in our country are obtained. It can enlighten and guide the commercial banks in the process of creating modern operation management system.
【学位授予单位】：中央民族大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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