六西格玛在建行长沙个贷中心个贷业务流程中应用的研究
发布时间：2018-11-01 17:15
【摘要】：建行长沙个贷中心于2007年完成了新系统上线和中后台业务集中，在新系统、新流程运行以来，逐渐暴露出一系列流程方面的问题，一些岗位的业务操作缺乏专业化、标准化、清晰化的流程，成为个贷中心进一步发展的瓶颈，如何在新的模式下对现有流程进行优化，将影响该模式的运行效率和个贷中心的效益。本文通过对该中心现行的业务流程现状分析，结合六西格玛(以下简称6σ)质量管理理论，对个贷中心的个贷业务流程优化进一步研究，希望通过此次研究对个贷中心的个贷业务发展、风险控制提供思路和帮助。 本文首先对六西格玛(6σ)管理和流程优化的涵义进行了阐述，以及接着对长沙个贷中心个贷业务流程的现实情况进行分析，分析存在的问题，指出流程优化的必要性，然后结合欧美等国运用6σ理论优化个贷业务流程的成功经验，对完善国内银行业个贷中心个贷业务流程有很好的借鉴及启示，最后提出使用6σ管理的五个过程控制理论(DMAIC)来优化长沙个贷中心的个贷业务流程。本文基于六西格玛(6σ)管理理论，以客户为中心，以先进的个贷业务流程为依据，以对工作流程的精细化管理为目标，针对过程采取改进措施，重视预防性管理，对工作流程的效率进行定量度量，将缺陷率控制在百万分之三点四以内，实现无边界合作，，持续改进和追求质量与效率的个贷标准流程。 本文提出了六西格玛(6σ)管理理论是个人贷款业务流程再造的研究方法，运用6σ的过程控制理论-DMAIC五个阶段对个人贷款流程进行过程优化，达到流程的标准化、专业化的目标，推出调优的个贷标准化流程，个贷中心应向中后台高度集中、规范化管理、实施过程控制的方向转变，实现个贷业务的高质、高效审批管理，重构商业银行的个贷业务流程。论文不仅对长沙个贷中心下一步的业务流程优化具有现实指导意义，同时对于其它银行个贷中心的流程优化都具有借鉴意义。
[Abstract]:In 2007, the Changsha Credit Center of CCB completed the new system online and middle background business concentration. Since the new system and the new process were running, a series of problems in the process have been gradually exposed, and some of the post business operations are lacking in specialization and standardization. The clear process becomes the bottleneck of the further development of the credit center. How to optimize the existing process under the new mode will affect the efficiency of the model and the benefit of the credit center. Based on the analysis of the current business process of the center and the six Sigma (hereinafter referred to as 6 蟽) quality management theory, this paper further studies the optimization of the business process of the individual loan center. Through this study, I hope to provide ideas and help for the development of individual loan business and risk control. In this paper, the meaning of six Sigma (6 蟽) management and process optimization is expounded, and then the reality of Changsha loan center is analyzed, the existing problems are analyzed, and the necessity of process optimization is pointed out. Then combining with the successful experience of using 6 蟽 theory to optimize the business process of individual loan in Europe and America, it has a good reference and enlightenment to perfect the business flow of individual loan center in domestic banking industry. In the end, the (DMAIC) theory of 6 蟽 management is used to optimize the business flow of Changsha individual loan center. Based on the six Sigma (6 蟽) management theory, this paper takes the customer as the center, the advanced individual loan business process as the basis, the fine management of the work flow as the goal, takes the improvement measure in view of the process, pays attention to the preventive management. The efficiency of the workflow is quantitatively measured, and the defect rate is controlled within 3.4/1000000, which can realize the boundless cooperation, continuously improve and pursue the standard flow of quality and efficiency. In this paper, six Sigma (6 蟽) management theory is proposed as the research method of personal loan business process reengineering. Using the 6 蟽 process control theory-DMAIC five stages to optimize the process of personal loan process to achieve the standardization of the process. The goal of specialization is to launch a standardized process for optimizing individual loans. The individual credit centers should be highly centralized in the middle background, standardized management, and implementation of process control, so as to achieve high quality and efficient examination and approval management of individual loan business. Reconstructing the commercial bank's loan business process. The paper not only has practical guiding significance for the next step business process optimization of Changsha loan center, but also has reference significance for other bank loan center process optimization.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F270.7;F832.4
本文编号：2304576
[Abstract]:In 2007, the Changsha Credit Center of CCB completed the new system online and middle background business concentration. Since the new system and the new process were running, a series of problems in the process have been gradually exposed, and some of the post business operations are lacking in specialization and standardization. The clear process becomes the bottleneck of the further development of the credit center. How to optimize the existing process under the new mode will affect the efficiency of the model and the benefit of the credit center. Based on the analysis of the current business process of the center and the six Sigma (hereinafter referred to as 6 蟽) quality management theory, this paper further studies the optimization of the business process of the individual loan center. Through this study, I hope to provide ideas and help for the development of individual loan business and risk control. In this paper, the meaning of six Sigma (6 蟽) management and process optimization is expounded, and then the reality of Changsha loan center is analyzed, the existing problems are analyzed, and the necessity of process optimization is pointed out. Then combining with the successful experience of using 6 蟽 theory to optimize the business process of individual loan in Europe and America, it has a good reference and enlightenment to perfect the business flow of individual loan center in domestic banking industry. In the end, the (DMAIC) theory of 6 蟽 management is used to optimize the business flow of Changsha individual loan center. Based on the six Sigma (6 蟽) management theory, this paper takes the customer as the center, the advanced individual loan business process as the basis, the fine management of the work flow as the goal, takes the improvement measure in view of the process, pays attention to the preventive management. The efficiency of the workflow is quantitatively measured, and the defect rate is controlled within 3.4/1000000, which can realize the boundless cooperation, continuously improve and pursue the standard flow of quality and efficiency. In this paper, six Sigma (6 蟽) management theory is proposed as the research method of personal loan business process reengineering. Using the 6 蟽 process control theory-DMAIC five stages to optimize the process of personal loan process to achieve the standardization of the process. The goal of specialization is to launch a standardized process for optimizing individual loans. The individual credit centers should be highly centralized in the middle background, standardized management, and implementation of process control, so as to achieve high quality and efficient examination and approval management of individual loan business. Reconstructing the commercial bank's loan business process. The paper not only has practical guiding significance for the next step business process optimization of Changsha loan center, but also has reference significance for other bank loan center process optimization.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F270.7;F832.4
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