Y银行应收账款质押业务流程优化研究

发布时间：2019-01-09 11:16

【摘要】：产品分工的产生，导致全球经济竞争的模式，由过去企业与企业之间的竞争转变为不同生产工序及其服务体系构成的供应链之间的竞争。供应链融资一份研究报告给出了最受企业欢迎的几种融资方式中，供应链融资、存货融资以及应收账款融资分别排在第二、第四和第五名。2007年10月1日《物权法》开始实施，，扩大了可用于担保的财产范围。应收账款被纳入可抵押资产之后，促进学术界对应收账款质押进行了更深入的分析,也进一步促进了应收账款质押在融资领域的发展运用。本文首先介绍了论文研究的背景和意义，简述了应收账款质押及业务流程优化的相关理论和文献研究。然后简要介绍Y银行的基本情况，分析Y银行应收帐款质押业务的流程现状。接着利用价值链分析法找出应收账款质押业务关键流程，对关键流程利用流程描述法和5W1H提问法进行流程诊断分析，对导致流程效率低、时间长的其他问题利用鱼骨分析法找出根本原因。在流程诊断的基础上从外部小企业融资难和内部银行发展需求两方面肯定流程优化的必要性。最后根据流程再造的原则和方法对关键流程进行优化，并根据实际操作实现的可能分别提出了优化方案一和方案二。对导致流程慢的其他几个问题，如组织结构、人员素质、系统等也提出了相应的解决办法。全文以提出问题，分析问题，解决问题的思路进行流程优化分析。由于篇幅限制，论文主要对关键流程环节进行了详细的优化研究，这为业务流程优化建立了一个较为完整的分析体系，对其他部分的流程优化或其他信贷业务流程优化具有重要的参考和借鉴意义。
[Abstract]:The production of product division of labor leads to the model of global economic competition, from the competition between enterprises in the past to the competition between supply chains composed of different production processes and their service systems. A research report on supply chain financing shows that among the most popular financing methods, supply chain financing, inventory financing and accounts receivable financing are ranked second, fourth and fifth respectively. The scope of property available for security has been expanded. After the accounts receivable is incorporated into the mortgaged assets, it promotes the academic circles to make a deeper analysis on the pledge of the accounts receivable, and further promotes the development and application of the pledge of the accounts receivable in the field of financing. Firstly, this paper introduces the background and significance of the research, briefly introduces the theory and literature of receivables pledge and business process optimization. Then it briefly introduces the basic situation of Y Bank and analyzes the process of Y Bank Receivable pledge business. Then using value chain analysis to find out the key process of accounts receivable pledge business, using process description method and 5W1H questioning method to diagnose and analyze the key process, which leads to the low efficiency of the process. Other long-term problems use fish bone analysis to find out the root cause. On the basis of process diagnosis, the necessity of process optimization is confirmed from two aspects: financing difficulty of external small enterprises and development needs of internal banks. Finally, the key processes are optimized according to the principles and methods of process reengineering, and the optimization schemes one and two are put forward according to the possibility of practical operation. Some other problems, such as organizational structure, personnel quality, system and so on, are also solved. This paper analyzes the process optimization with the idea of problem raising, problem analysis and problem solving. Due to space constraints, the paper mainly studies the key process optimization, which establishes a relatively complete analysis system for business process optimization. For other parts of the process optimization or other credit business process optimization has an important reference and reference significance.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F830.42

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