建设银行H分行营运业务流程再造研究

发布时间：2018-11-15 19:05

【摘要】：近年来,中国金融行业正在经历着一场深刻的变革。中国客户的金融行为与意识发生深刻变化,互联网和电话等电子渠道逐渐成为“数字一代”获得金融服务的方式,客户越来越期望得到定制化产品和服务;监管政策取向加快金融市场化进程,推动要素的市场化定价,鼓励金融主体的市场化进入与退出;金融市场主体日趋多元化,竞争加剧,伴随互联网金融热度不减,越来越多的非传统金融机构加入竞争,综合金融已初步成势,各银行已在金融综合化经营上迈出坚实步伐;同时,技术的进步为金融行业提供了前所未有的工具和可能性。宏观环境的变化正在挑战关于银行“运营”的传统理念。作为四大国有商业银行之一的建设银行,在外在因素及内生动力的双重驱动下,以自身营运体制改革为切入点,积极探索未来银行转型发展之路。本文以建设银行H分行持续推进的营运业务流程再造项目为研究对象,以传统银行业务流程再造理论为基石,在深入了解分析国内外商业银行营运业务的发展情况的基础上,阐述最先进的银行业营运流程再造理论框架及实际应用,并给出了适合国内商业银行营运业务流程再造的改革之道,具有较强的实践借鉴意义。文中通过运用SWOT分析工具对建行H分行经营环境及项目推动背景进行分析,指出建行H分行在营运作业流程中存在的主要问题,提出了进行营运业务流程再造的必然性及可行性。同时本文详细介绍建行H分行营运作业流程再造过程中涉及的柜面核算业务模块、集中金库管理模块、批处理业务模块以及稽核与柜面监测业务模块等四大营运业务的流程再造模式。本文全流程的展现了建设银行H分行持续深入推进的营运业务流程再造项目的方案特点、功能实现及项目效果评价,并指出了实际运行过程中存在的涉及管理层面、操作层面的问题,便于在今后的工作中不断改进和完善。
[Abstract]:In recent years, China's financial industry is undergoing a profound change. The financial behavior and consciousness of Chinese customers have undergone profound changes. Electronic channels such as the Internet and telephone have gradually become the "digital generation" to obtain financial services, and customers increasingly expect to get customized products and services. The orientation of supervision policy is to speed up the process of financial marketization, to promote the market-oriented pricing of elements, and to encourage the entry and withdrawal of financial subjects. The main body of the financial market is becoming more and more diversified and the competition is becoming more and more serious. With the unabated popularity of the Internet finance, more and more non-traditional financial institutions have joined the competition, the comprehensive finance has taken the initial trend, and the banks have taken solid steps on the comprehensive management of the finance. At the same time, technological advances provide unprecedented tools and possibilities for the financial industry. The change of macro-environment is challenging the traditional concept of "operation" of banks. As one of the four state-owned commercial banks, China Construction Bank (CCB), driven by external factors and endogenous power, takes the reform of its own operating system as the starting point to actively explore the way of the transformation and development of banks in the future. This paper takes the project of Business process Reengineering (BPR), which is continuously promoted by China Construction Bank H Branch, as the research object, takes the traditional theory of BPR as the foundation stone, and analyzes the development of commercial bank's operation business at home and abroad. This paper expounds the theoretical framework and practical application of the most advanced operational process reengineering of the banking industry, and puts forward the reform methods suitable for the business process reengineering of the domestic commercial banks, which is of great practical significance. This paper analyzes the operating environment and project promotion background of CCB H branch by using SWOT analysis tool, and points out the main problems existing in the operation process of CCB H branch. The necessity and feasibility of business process reengineering are put forward. At the same time, this paper introduces in detail the cabinet accounting business module, the centralized treasury management module, which are involved in the operation process reengineering process of the H branch of CCB. Batch business module and audit and counter monitoring business module four major business process reengineering mode. The whole process of this paper shows the scheme characteristics, function realization and project effect evaluation of the business process reengineering project, which is continuously and deeply promoted by H Branch of China Construction Bank, and points out that the management level is involved in the actual operation process. Operational aspects of the problem, easy to improve and improve in the future work.
【学位授予单位】：哈尔滨工业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2

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