BC银行江苏省分行业务流程再造研究

发布时间：2018-12-16 10:21

【摘要】：目前，国内的商业银行产品同质化倾向日趋严重，产品的专业性严重缺乏；而与此同时，银行的业务流程日趋多元化，业务流程繁杂，处理效率低下，不少商业银行仍将传统的利差模式作为获利的主要手段，使得在与外资银行的竞争中缺乏优势。相比于先进的跨国银行，流程再造是中资银行应对这一挑战的重要举措。通过流程再造可建立以客户为中心的业务体系，通过以企业发展战略为导向，流程为本，构建全新的管理流程和支持保障体系，加强信息技术的运用，全面重塑组织架构。本文以BC银行江苏省分行为研究对象，对比外资商业银行先进的业务流程模式，采用案例分析、比较分析和实地调研等多种方法，根据流程再造理论，通过分析BC银行江苏省分行的现有业务流程所存在的问题，提出了进行流程再造的实施方案和相应的再造保障措施，以便为今后其它的商业银行实施业务流程再造活动提供一个参考。本文首先进行了文献查阅，而后再结合自己的工作经历，通过对BC银行江苏省分行现有的营运业务流程、客户服务流程和后台支持流程等进行研究和分析，，得出了BC银行江苏省分行要进行流程银行建设，必须要树立以客户为中心的理念，改革现有的组织架构模式、业务营运处理实现集中化、依靠强大的信息技术为支持的启示性结论。本文的主要意义在于提出了BC银行所存在的问题并提出对应的再造方案，对业务流程进行再造设计，初步解决了因为现有流程不畅而导致的效率低下、产品创新能力不强等问题，提升了客户满意度，改革了管理架构与模式，增强了市场竞争力。当然，由于业务流程的再造方案尚未在BC银行江苏省分行实施，本文所提出的观点，还需要经过实践加以检验。
[Abstract]:At present, the domestic commercial bank product homogenization tendency is becoming more and more serious, the product specialized nature is lack seriously; At the same time, the business process of the bank is becoming more and more diversified, the business process is complicated, and the processing efficiency is low. Many commercial banks still regard the traditional spread mode as the main means of profit, which makes them lack the advantage in the competition with the foreign banks. Compared with the advanced multinational banks, process reengineering is an important measure for Chinese banks to deal with this challenge. Through process reengineering, we can establish a customer-centered business system, construct a new management process and support guarantee system, strengthen the use of information technology, and reshape the organizational structure in an all-round way by taking the enterprise development strategy as the guide and the process as the basis. This article takes BC Bank Jiangsu Branch as the research object, contrasts the foreign capital commercial bank advanced business process pattern, adopts the case analysis, the comparison analysis and the field investigation and so on many kinds of methods, according to the process reengineering theory, By analyzing the problems existing in the existing business process of Jiangsu Branch of BC Bank, this paper puts forward the implementation plan and corresponding reengineering guarantee measures for the process reengineering. In order to provide a reference for other commercial banks to implement business process reengineering activities. This article first carries on the literature review, then unifies own work experience, through carries on the research and the analysis to the BC bank Jiangsu province branch's existing operation business process, the customer service flow and the backstage support flow and so on. It is concluded that in order to build a process bank, BC Bank Jiangsu Branch must set up a customer-centered concept, reform the existing organizational structure model, and centralize the operation of business operations. Rely on powerful information technology to support the enlightening conclusion. The main meaning of this paper is to put forward the existing problems of BC Bank and the corresponding reengineering scheme, to design the business process, and to solve the inefficiency caused by the unsmooth flow of the existing process. Product innovation ability is not strong, improve customer satisfaction, reform management structure and model, and enhance market competitiveness. Of course, since the business process reengineering scheme has not been implemented in BC Bank Jiangsu Branch, the viewpoints put forward in this paper need to be tested through practice.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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