Z银行小企业信贷业务流程再造研究

发布时间：2018-03-22 07:22

本文选题：小企业　切入点：信贷业务　出处：《宁波大学》2013年硕士论文　论文类型：学位论文

【摘要】：近年来，中国日益深刻的融入世界经济发展进程中，随着金融管制的放松及资本市场的发展，中国的商业银行也开始面临相同的困境，不仅竞争日益激烈、而且大中型客户对银行的贡献度不断下降。在这种环境下，Z银行积极进行小企业业务的市场开拓和创新，并希望通过对小企业信贷业务流程的再造，抢占市场先机，赢得小企业业务特别是信贷业务竞争的主动权。本文采用现实分析—提出问题—经验借鉴—方案设计的研究思路，对个案进行了精细化的分析和研究。应用定性与定量相结合的研究方式，运用各种分析工具对Z银行小企业信贷业务流程进行分析及再造研究，分析现状问题并验证流程再造的成果。本文主要分为6章。第1章为绪论部分，主要对研究背景、研究目的、研究方法进行阐述，，给出全文的框架及创新点。第2章为理论概述部分，主要对业务流程再造理论的涵义及在银行业的运用进行了阐述。第3章为业务概述部分，主要对Z银行小企业信贷业务的组织架构、流程现状进行介绍。第4章为流程缺陷分析部分，从外部客户、内部客户的角度运用各种分析工具，对现有流程的缺陷进行分析，并指出Z银行小企业信贷业务流程再造的方向。第5章为流程再造研究部分，在总结前几章研究内容的基础上，介绍Z银行小企业信贷业务流程再造的目标和原则，同时借鉴美国商业银行小企业信贷业务的流程模式，提出Z银行小企业信贷业务流程再造的方式，并提出流程持续优化所需的内部、外部保障措施。第6章为结论部分，总结本文的研究结果及不足之处，并提出日后的研究方向。总之，流程再造是个长期的系统工程，Z银行小企业信贷业务的再造也仅仅是一个开始与尝试，目前采用的一些方法和建议可能具有一定的局限性，这些都有待在今后的研究与实践中进一步总结。
[Abstract]:In recent years, China has been more and more deeply integrated into the process of world economic development. With the relaxation of financial controls and the development of capital markets, Chinese commercial banks have also begun to face the same predicament. Moreover, the contribution of large and medium-sized customers to banks is declining. In this environment, Bank Z is actively engaged in market development and innovation of small business, and hopes to seize the market first by reengineering the credit business process of small enterprises. Win the initiative of small business business, especially credit business competition. In this paper, a detailed analysis and study of the case is carried out by using the ideas of realistic analysis, problem raising, experience learning and scheme design. The research method of combining qualitative and quantitative analysis is applied in this paper. Using various analysis tools to analyze and reengineer the credit business process of small enterprises in Z bank, analyze the current situation and verify the results of the process reengineering. This paper is divided into six chapters. Chapter 1 is the introduction part, mainly about the research background. Chapter 2 is the theoretical overview part, which mainly expounds the meaning of BPR theory and its application in the banking industry. Chapter 3 is the business overview part. Chapter 4 is the process defect analysis part, from the external customer, internal customer perspective, using a variety of analysis tools to analyze the defects of the existing process, the main introduction of the Z bank small enterprise credit business organization structure, process status quo, the fourth chapter is the process defect analysis part, from the external customer, the internal customer angle uses each kind of analysis tool, It also points out the direction of credit business process reengineering in Z bank. Chapter 5 is the research part of process reengineering. On the basis of summarizing the research contents of the previous chapters, the paper introduces the objectives and principles of credit business process reengineering in Z bank. At the same time, referring to the process model of small enterprise credit business of American commercial bank, this paper puts forward the way of reengineering the credit business process of small enterprise in Z bank, and puts forward the internal and external safeguard measures needed for continuous process optimization. Chapter 6 is the conclusion part. This paper summarizes the research results and shortcomings, and puts forward the future research direction. In a word, process reengineering is a long-term system engineering, and the reengineering of credit business of small enterprises in Bank Z is only a beginning and attempt. Some methods and suggestions adopted at present may have some limitations. All these need to be further summarized in the future research and practice.
【学位授予单位】：宁波大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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