商业银行供应链融资业务流程再造案例研究

发布时间：2018-06-10 09:30

本文选题：供应链融资 + 流程再造　；参考：《西南交通大学》2014年硕士论文

【摘要】：供应链融资业务围绕供应链上的核心企业,对核心企业的上下游企业进行整体授信,有助于缓解中小企业融资难、担保难的问题,降低供应链融资成本,提升供应链的整体竞争力,对缓解我国中小企业融资难问题具有较为重要的作用。另一方面,银行业面临着越来越大的竞争压力,银行同业间竞争加剧、互联网金融、利率市场化、金融脱媒等都使得银行的利润空间进一步缩窄,大力发展中小企业业务成为银行应对激烈竞争的重要途径。供应链融资业务围绕核心企业,充分发掘中小企业的流动资产潜力,对核心企业进行信用捆绑,能够降低信贷风险,银行通过为供应链上下游的中小企业提供一揽子供应链金融服务,可批量锁定存款,增加中间业务收入,在有效控制风险的情况下拓展中小企业市场,应对日益激烈的竞争。本文对B银行供应链融资业务流程再造进行了研究,阐述了从业务流程再造和管理流程再造的角度对流程进行优化,促进供应链融资业务流程时间缩短、效率提升。B银行成立了供应链再造工作小组,负责统筹供应链融资业务的流程再造工作,通过对业务流程进行端对端梳理、广泛征求意见,确定了基本的再造方案。B银行要从流程再造和转变竞争策略方面进行改进,而流程再造则主要集中在业务流程再造、信息系统流程再造和EVA绩效机制的完善这三个方面。针对以上问题,提出了如下解决措施：制定“操作流程模块选择表”、简化供应链融资子产品流程、电子信息系统内流程优化、改进EVA绩效考评,并详细分析了实施情况。最后,以供应链融资业务流程再造的试点单位J分行开展的一笔汽车动产质押业务为例,阐述了流程再造后的业务办理情况,对比分析了流程再造的成果,得出本次流程再造使得流程办理更为迅速,流程办理时间缩短。本文对B银行供应链融资业务的流程再造进行了研究,并认为信息技术和价值管理在银行流程再造中扮演着重要的角色,可为供应链融资业务的流程再造提供一定的借鉴和参考。
[Abstract]:The supply chain financing business revolves around the core enterprise on the supply chain, carries on the overall credit to the core enterprise upstream and downstream enterprise, helps alleviate the small and medium-sized enterprise financing difficulty, the guarantee difficult question, reduces the supply chain financing cost, Improving the overall competitiveness of the supply chain plays a more important role in alleviating the financing difficulties of small and medium-sized enterprises in China. On the other hand, the banking industry is facing more and more competitive pressure, the competition between banks and banks intensifies, and the Internet finance. Interest rate marketization and financial disintermediation have further narrowed the profit space of banks, and vigorously developing small and medium-sized enterprises has become an important way for banks to cope with fierce competition. The supply chain financing business revolves around the core enterprise, fully excavates the small and medium-sized enterprise current asset potential, carries on the credit binding to the core enterprise, can reduce the credit risk, By providing a package of supply chain financial services to SMEs upstream and downstream of the supply chain, banks can lock in deposits in batches, increase revenue from intermediate business, and expand the market of small and medium-sized enterprises under effective risk control. In response to the increasingly fierce competition, this paper studies the business process reengineering of supply chain financing of Bank B, expounds the optimization of the process from the perspective of business process reengineering and management process reengineering, and promotes the shortening of the time of the business process of supply chain financing. Efficiency improvement. B Bank has set up a supply chain Reengineering working Group, which is responsible for coordinating the process reengineering of the supply chain financing business. Through the end-to-end combing of the business processes, the bank extensively solicits opinions. B bank should improve the process reengineering and change the competitive strategy, while the process reengineering mainly focuses on three aspects: business process reengineering, information system process reengineering and the perfection of EVA performance mechanism. Aiming at the above problems, this paper puts forward the following solutions: making the "operating process module selection table", simplifying the supply chain financing sub-product flow, optimizing the flow in the electronic information system, improving EVA performance evaluation, and analyzing the implementation in detail. Finally, taking a vehicle chattel pledge business carried out by J Branch, a pilot unit of supply chain financing business process reengineering, as an example, this paper expounds the business management situation after process reengineering, and compares and analyzes the results of process reengineering. It is concluded that this process reengineering makes the process management more rapid and the processing time shorter. This paper studies the process reengineering of the supply chain financing business of Bank B, and thinks that information technology and value management play an important role in the process reengineering of the bank. It can provide some reference and reference for the process reengineering of supply chain financing business.
【学位授予单位】：西南交通大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F830.42

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