商业银行深化柜面业务前后台分离及后台集中探讨

发布时间：2018-02-21 21:25

本文关键词： 商业银行柜面业务前后台分离后台集中　出处：《山东大学》2012年硕士论文　论文类型：学位论文

【摘要】：自2006年底我国银行业全面对外开放以来,国内商业银行纷纷借股改上市之机,积极引进境外机构投资者与战略合作伙伴。外资银行的涌入以及合作伙伴的引入,使国内银行业面临的挑战与竞争日趋激烈,为提高核心竞争力,再造业务流程打造流程银行成为各家银行应对挑战的首选。从当前国内商业银行现状来看,营业网点的柜面仍然是银行服务与营销客户的主要渠道。因此,近年来,不少国内商业银行本着“以客户为中心”的经营理念,借鉴国外先进银行的做法,结合自身实际,以柜面业务流程再造为切入点,积极开展柜面业务前后台分离及后台集中的改革与尝试,取得了较为明显的成效。但从现阶段各商业银行实际分离与集中的业务范围与具体实施效果来看,客观地说仍然存在着较大的局限性。论文首先分析了当前国内商业银行柜面业务的现状与特点,指出了商业银行现阶段改革存在的主要问题,从其局限性入手,阐述了商业银行进一步深化柜面业务前后台分离及后台集中改革的必要性;其次,从深化柜面业务前后台分离及后台集中的项目定位、项目目标、设计原则、实现方式四个方面,提出了商业银行深化柜面业务前后台分离及后台集中改革的基本设想；再次,从主要任务、基本思路、主要业务流程、机制与规则、阶段性效果五个方面,详细介绍了建设银行深化柜面业务前后台分离及后台集中项目的具体实践情况；最后简要分析了国内商业银行深化柜面业务前后台分离及后台集中的重点关注事项,并提出了相关建议。深化柜面业务前后台分离及后台集中项目非常繁杂,也是商业银行实施业务流程再造及建设流程银行的一项系统工程。目前建设银行正在有条不紊的推进柜面业务前后台分离及后台集中项目,作为第一家在全国范围内所有网点全面推广实施柜面业务前后台分离及后台集中的四大国有商业银行之一,项目的设计思路、设计方法、实施方案、推广实效都会为其他商业银行带来非常有益的借鉴与参考。
[Abstract]:Since China's banking industry opened to the outside world in end of 2006, domestic commercial banks have taken advantage of the opportunity of stock listing to actively introduce foreign institutional investors and strategic partners, the influx of foreign banks and the introduction of partners. In order to improve the core competitiveness, reengineering the business process to create the process bank becomes the first choice for each bank to deal with the challenge. From the current situation of domestic commercial banks, The counter of business network is still the main channel of bank service and marketing customer. Therefore, in recent years, many domestic commercial banks, in line with the "customer-centered" management concept, draw lessons from the practices of advanced foreign banks and combine with their own reality. With the counter business process reengineering as the breakthrough point, we should actively carry out the reform and attempt of separating the front and the back of the counter business and centralizing the backstage. However, from the view of the actual separation and concentration of the business scope and the concrete implementation effect of the commercial banks at present, there are still some limitations objectively speaking. Firstly, the paper analyzes the present situation and characteristics of domestic commercial bank's counter business, points out the main problems existing in the current reform of commercial bank, and starts with its limitation. This paper expounds the necessity of further deepening the separation of the front and back parts of the counter business and the reform of the backstage centralization of the commercial banks. Secondly, the project positioning, project objectives and design principles for the deepening of the separation of the front and back business and the backstage centralization are discussed. The paper puts forward the basic idea of deepening the separation of the front and back of the counter business and the centralized reform of the backstage; thirdly, from five aspects: the main task, the basic idea, the main business process, the mechanism and the rule, the stage effect. This paper introduces in detail the concrete practice of China Construction Bank in deepening the separation of the front and back parts of the counter business and the centralized backstage projects; finally, it briefly analyzes the key concerns of the domestic commercial banks in deepening the separation of the front and the background of the counter business and the backstage concentration. Some suggestions are put forward. It is very complicated to deepen the separation of the front and back parts of the counter business and to concentrate on the backstage projects. It is also a systematic project for commercial banks to implement business process reengineering and build process banks. At present, China Construction Bank is methodically promoting the separation of front and rear parts of counter business and centralized backstage projects. As one of the first four state-owned commercial banks to comprehensively promote and implement the separation of the front and back parts of the counter business and the backstage concentration in all branches throughout the country, the project design ideas, design methods, and implementation schemes, Promotion effect will bring very beneficial reference and reference for other commercial banks.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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