业务集中处理在江苏省工商银行的应用研究
发布时间：2018-07-17 17:39
【摘要】：现代社会已经实现了由工业时代向信息时代的转型,受传统理论束缚的银行经营管理理念必须要有所改变。银行与客户关系已发展到以客户为中心,原有的业务流程己经不适应新的竞争需要,银行业需要改进它过去以自己为中心的业务流程,将所有的产品和服务都调整到以客户的价值为核心。银行流程再造是商业银行面对这种日益变化的经营环境所做出的一种积极应对的变革措施,其实质是银行经营模式的一种转换,它是银行获取持续竞争优势的一种重要手段。银行流程再造对于我国银行业改革的深化和银行经营管理水平的提高具有很强的现实意义。 业务集中处理是银行业务流程再造的趋势,它是银行依托先进的计算机技术,为了更好地服务客户、防范风险、提高效率和集约经营而实施的全新业务处理模式,其本质是对银行业务流程进行改革,属于银行流程再造极其重要的环节。 本文主要研究业务集中处理在中国工商银行江苏省分行的应用,在集中运营模式下,通过省分行业务集中处理中心这个大后台的标准化作业,可以达到有效地降低经营成本、管控风险、提高服务质量的目的。 首先,从分析当前江苏省工行的业务流程现状和弊端入手,阐述了江苏省工行实施业务集中处理的必要性。从形成规模效益、借助系统优势和参考城市行业务处理中心的建设经验等方面进行分析,并借鉴业务集中处理在国内外银行成功实施的经验,论证了江苏省工行实施业务集中处理可行性。 其次,对江苏省工行如何实施业务集中处理进行了探索。规划构建了业务集中处理体系的架构,并对中心的运营及管理方面提出了具体的实施方案。 再次,对实施业务集中处理以后可以产生的效益进行阐述,对仍然存在的问题进行分析,并总结出解决这些问题的对策,指出了下一步工作的重点所在。 本文的创新之处：现有的关于商业银行业务流程再造的研究有很多,然而这些研究多集中于理论研究,没有结合实际状况。本文从江苏省工行当前的业务流程状况出发,结合自身所积累的工作经验,对江苏省工行构建省分行层面的业务集中处理中心,优化业务流程进行了详细的讨论和分析,勾勒出业务集中处理中心的总体架构,并对业务集中处理体系的运营管理进行了一定程度的探讨。希望能对工商银行全面建立集中、安全、高效的运行机制,持续提高效率、优化资源配置、提升服务能力起到一定的推动作用。
[Abstract]:The modern society has realized the transition from the industrial age to the information age. The relationship between banks and customers has developed to be customer-centric, and the original business processes have been unable to meet the new competitive needs. The banking industry needs to improve its business processes which used to be self-centered. Reorient all products and services to the core of customer value. Bank process reengineering is an active measure to deal with the changing business environment. Its essence is a kind of transformation of bank management mode, and it is an important means for banks to obtain sustainable competitive advantage. Bank process reengineering is of great practical significance to the deepening of banking reform and the improvement of bank management. Business centralized processing is the trend of bank business process reengineering. It is a new business processing mode implemented by banks relying on advanced computer technology, in order to better serve customers, guard against risks, improve efficiency and intensive management. Its essence is to carry on the reform to the bank business process, belongs to the bank process reengineering extremely important link. This paper mainly studies the application of centralized business processing in Industrial and Commercial Bank of China Jiangsu Branch. Under the centralized operation mode, through the standardization operation of the provincial branch business centralized processing center, we can effectively reduce the operating cost. Manage risks and improve service quality. First of all, the necessity of implementing centralized operation of ICBC in Jiangsu Province is expounded by analyzing the present situation and malpractice of ICBC's business process in Jiangsu Province. From the aspects of forming economies of scale, making use of the system advantages and referring to the experience of the construction of the city bank business processing center, and drawing lessons from the experience of the successful implementation of the centralized business processing in the domestic and foreign banks, The feasibility of implementing centralized operation of ICBC in Jiangsu Province is demonstrated. Secondly, it explores how ICBC to implement centralized business processing. The architecture of the centralized business processing system is constructed, and the concrete implementation scheme is put forward for the operation and management of the center. Thirdly, the paper expounds the benefits that can be produced after the implementation of centralized operation, analyzes the problems that still exist, sums up the countermeasures to solve these problems, and points out the key points of the next work. The innovation of this paper: there are a lot of researches on business process reengineering of commercial banks. However, these researches are mostly focused on the theoretical research and do not combine with the actual situation. Starting from the current business process situation of ICBC in Jiangsu Province and combining its accumulated work experience, this paper discusses and analyzes in detail the construction of a centralized business processing center at the provincial branch level and the optimization of business processes by ICBC in Jiangsu Province. This paper outlines the overall structure of the business centralized processing center, and discusses the operation and management of the business centralized processing system to a certain extent. It is hoped that ICBC can establish centralized, safe and efficient operation mechanism, continuously improve efficiency, optimize resource allocation, and enhance service capacity to a certain extent.
【学位授予单位】：南京大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33
本文编号：2130434
[Abstract]:The modern society has realized the transition from the industrial age to the information age. The relationship between banks and customers has developed to be customer-centric, and the original business processes have been unable to meet the new competitive needs. The banking industry needs to improve its business processes which used to be self-centered. Reorient all products and services to the core of customer value. Bank process reengineering is an active measure to deal with the changing business environment. Its essence is a kind of transformation of bank management mode, and it is an important means for banks to obtain sustainable competitive advantage. Bank process reengineering is of great practical significance to the deepening of banking reform and the improvement of bank management. Business centralized processing is the trend of bank business process reengineering. It is a new business processing mode implemented by banks relying on advanced computer technology, in order to better serve customers, guard against risks, improve efficiency and intensive management. Its essence is to carry on the reform to the bank business process, belongs to the bank process reengineering extremely important link. This paper mainly studies the application of centralized business processing in Industrial and Commercial Bank of China Jiangsu Branch. Under the centralized operation mode, through the standardization operation of the provincial branch business centralized processing center, we can effectively reduce the operating cost. Manage risks and improve service quality. First of all, the necessity of implementing centralized operation of ICBC in Jiangsu Province is expounded by analyzing the present situation and malpractice of ICBC's business process in Jiangsu Province. From the aspects of forming economies of scale, making use of the system advantages and referring to the experience of the construction of the city bank business processing center, and drawing lessons from the experience of the successful implementation of the centralized business processing in the domestic and foreign banks, The feasibility of implementing centralized operation of ICBC in Jiangsu Province is demonstrated. Secondly, it explores how ICBC to implement centralized business processing. The architecture of the centralized business processing system is constructed, and the concrete implementation scheme is put forward for the operation and management of the center. Thirdly, the paper expounds the benefits that can be produced after the implementation of centralized operation, analyzes the problems that still exist, sums up the countermeasures to solve these problems, and points out the key points of the next work. The innovation of this paper: there are a lot of researches on business process reengineering of commercial banks. However, these researches are mostly focused on the theoretical research and do not combine with the actual situation. Starting from the current business process situation of ICBC in Jiangsu Province and combining its accumulated work experience, this paper discusses and analyzes in detail the construction of a centralized business processing center at the provincial branch level and the optimization of business processes by ICBC in Jiangsu Province. This paper outlines the overall structure of the business centralized processing center, and discusses the operation and management of the business centralized processing system to a certain extent. It is hoped that ICBC can establish centralized, safe and efficient operation mechanism, continuously improve efficiency, optimize resource allocation, and enhance service capacity to a certain extent.
【学位授予单位】：南京大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33
【参考文献】
相关期刊论文 前6条
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