浦发银行哈尔滨分行开展代付业务流程方案设计

发布时间：2018-05-12 05:36

本文选题：银行 + 代付　；参考：《哈尔滨理工大学》2012年硕士论文

【摘要】：银行是通过存款、贷款、汇兑、储蓄等业务，承担信用中介的金融机构。目前上海浦东发展银行哈尔滨分行的经营模式，基本上还是沿用国有商业银行的传统作法，将追求规模扩张、以存贷差取得高息收入，作为银行获取净利润最重要的业务。由于现在社会上各家银行的服务同质化严重，，缺乏差异化的优质品牌（中间产品或衍生产品），大家只能在一个有限的领域里进行激烈地竞争，其结果是风险增加，效益减退，极大地削弱了浦发银行哈尔滨分行与其他国内外同业金融机构进行竞争的能力。所以认真研究我分行如何进一步扩大中间业务，尤其是开展既不占用银行的自有资金和外债份额，又可以获取稳定中间收益，还能够满足客户短期融资需求的代付业务，就成为今后浦发银行哈尔滨分行在经营和创新领域，急待解决的现实问题。本文用宏观经济、国际投融资的相关理论，对开展代付业务的重要意义和存在的风险，及其我分行开展此项业务的必要性与可行性，进行了全面分析，认为我行完全具备了近期开展代付业务的各项条件。本人为了规范代付业务的工作程序，防范代付业务风险，强化银行内部控制体系建设，探索性地进行了浦发银行哈尔滨分行开展代付业务流程方案的设计研究工作；解析了代付业务实质、业务部门及流程概要、业务衔接与把控等代付业务的重要内容；并在此基础上，提出了保障措施和对策。希望以此能为关注这个课题的理论界和务实界的同行起到抛砖引玉的作用。
[Abstract]:Banks are financial institutions that undertake credit intermediation through deposits, loans, exchange, savings, etc. At present, the management mode of Harbin branch of Shanghai Pudong Development Bank is basically the traditional practice of state-owned commercial bank. It will pursue scale expansion and obtain high interest income from deposit and loan difference, which is the most important business for banks to obtain net profit. Because of the serious homogenization of the services of the banks in our society and the lack of differentiated quality brands (intermediate products or derivatives), people can only compete intensely in a limited field. As a result, the risks increase and the benefits decrease. It has greatly weakened the ability of Harbin Branch of Pudong Development Bank to compete with other domestic and foreign financial institutions. Therefore, we should seriously study how our branch can further expand its intermediary business, especially to carry out a business that does not take up the bank's share of its own capital and foreign debt, can obtain stable intermediate income, and can also meet the short-term financing needs of its customers. In the future, Pudong Development Bank Harbin Branch in the field of management and innovation, the urgent need to solve the practical problems. Based on the theory of macroeconomics and international investment and financing, this paper makes a comprehensive analysis of the significance and risk of developing the agent payment business, as well as the necessity and feasibility of carrying out this business in our branch. We think that the bank has fully met the requirements for the recent development of the agent business. In order to standardize the working procedure of the agency business, guard against the risks of the agency business and strengthen the construction of the internal control system of the bank, I have carried out the design and research work of the Harbin branch of the Pudong Development Bank to carry out the design of the business process scheme of the acting payment. This paper analyzes the essence, business department and process outline of the agent payment business, and puts forward the safeguard measures and countermeasures on the basis of the analysis of the important contents of the agent payment business, such as business connection and handle control. Hope that this can be concerned about the subject of theoretical and pragmatic colleagues to play a role.
【学位授予单位】：哈尔滨理工大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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