邮储银行铁岭分行烟草资金归集结算流程优化研究
发布时间：2018-11-13 09:44
【摘要】：烟草行业是市场潜力巨大的行业，烟草资金归集结算更是各金融机构全力争取的业务，市场竞争也异常激烈。近年随着网络科技及电子商务的发展突飞猛进，资金结算模式呈多元化发展，各金融机构相继推出烟草结算系统抢占市场份额，烟草公司及各卷烟零售户也提出多样化需求，铁岭市分行原烟草归集系统已不适应市场的变化，对现有的单一结算模式及流程进行优化势在必行。客户多样性及客户的多样性需求，对邮储银行铁岭市分行的烟草归集结算流程提出了更高的要求。论文在铁岭行现有卷烟零售户借记卡结算流程的基础上，对贷记卡结算、网上支付结算、跨行结算等各种结算方式的流程方案进行研究，从而丰富优化烟草资金归集流程。 本文主要采用了定性研究、定量研究以及比较研究相结合的方法，对邮储银行铁岭市分行烟草资金归集项目进行流程的分析和再造。针对烟草行业的资金往来需求，运用作业测定、作业分析等基础工业工程的方法及质量管理控制工具，结合精益生产、项目管理等管理理论，，分析研究邮储银行铁岭市分行烟草资金归集结算项目的流程管理，改造优化适合烟草客户需求的资金结算精益化的流程。论文包括绪论、邮储银行铁岭分行烟草资金归集结算业务流程的现状与问题分析、业务流程优化设计、业务流程优化方案的实施保障四部分。论文首先在邮储银行铁岭市分行烟草资金归集项目发展介绍的基础上给出了研究背景和研究意义，以及研究内容和方法。然后基于对邮储银行铁岭市分行烟草资金归集结算业务的了解，对烟草零售户归集签约、烟草资金中间业务平台清算、烟草资金付款结算、烟草资金归集差错处理四个主干流程进行了研究。采用了调研法、时间研究的作业测定等方法流程分析，发现了流程中的存在的主要问题及关键原因，说明了改进的方向。在此基础上针对铁岭市分行烟草资金归集业务的客户签约、清算平台、结算付款提出了一组更为有效的归集结算流程优化方案。最后还在建立业务流程优化实施的组织保障、建设与优化后流程相匹配的信息系统、建立以优化后流程为基础的员工培训体系、完善企业的激励约束机制四个方面提出了流程优化方案实施保障的具体措施。
[Abstract]:Tobacco industry is the industry with great market potential, tobacco funds collection and settlement is the business that all financial institutions strive for, and the market competition is extremely fierce. In recent years, with the rapid development of network technology and electronic commerce, the fund settlement model has diversified development. Financial institutions have introduced tobacco settlement system to occupy market share, tobacco companies and cigarette retailers have also put forward diversified demand. The original tobacco collection system of Tieling Branch has not adapted to the changes of the market, so it is imperative to optimize the existing single settlement model and process. Customer diversity and customer diversity demand put forward higher requirements for the tobacco collection and settlement process of Tieling branch of Postal savings Bank. On the basis of the existing debit card settlement process of cigarette retailers in Tieling Company, this paper studies the process schemes of various settlement methods, such as credit card settlement, online payment and inter-bank settlement, so as to enrich and optimize the tobacco fund collection process. This paper mainly adopts the methods of qualitative, quantitative and comparative research to analyze and reconstruct the process of tobacco fund collection project of Tieling branch of postal savings bank. According to the demand of the tobacco industry, the basic industrial engineering methods and quality control tools, such as job measurement and job analysis, are applied to the management theory of lean production, project management, etc. This paper analyzes and studies the process management of tobacco fund collection and settlement project of Tieling branch of postal savings bank, and reconstructs and optimizes the Lean flow of fund settlement which suits the needs of tobacco customers. The paper includes four parts: introduction, analysis of the current situation and problems of tobacco fund collection and settlement business process of Tieling Branch of Postal savings Bank, optimization design of business process, implementation of business process optimization scheme. Firstly, based on the introduction of the tobacco fund collection project of Tieling Branch of Postal savings Bank, the research background, significance, contents and methods are given. Then, based on the understanding of the collection and settlement business of tobacco funds in Tieling City Branch of the Postal savings Bank, the collection and settlement of tobacco retail households, the clearing of tobacco funds intermediate business platforms, and the settlement of tobacco funds payment are carried out. The four main processes of tobacco fund collection error processing were studied. The main problems and key reasons in the process are found out and the direction of improvement is explained. On the basis of this, a group of more effective optimization schemes are put forward for the clients signing, clearing platform and settlement and payment of tobacco funds collection business in Tieling City Branch. Finally, it also establishes the organizational guarantee for the implementation of business process optimization, the construction of an information system that matches the optimized process, and the establishment of an employee training system based on the optimized process. Four aspects of improving the incentive and constraint mechanism of enterprises put forward specific measures to ensure the implementation of the process optimization scheme.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2
本文编号：2328726
[Abstract]:Tobacco industry is the industry with great market potential, tobacco funds collection and settlement is the business that all financial institutions strive for, and the market competition is extremely fierce. In recent years, with the rapid development of network technology and electronic commerce, the fund settlement model has diversified development. Financial institutions have introduced tobacco settlement system to occupy market share, tobacco companies and cigarette retailers have also put forward diversified demand. The original tobacco collection system of Tieling Branch has not adapted to the changes of the market, so it is imperative to optimize the existing single settlement model and process. Customer diversity and customer diversity demand put forward higher requirements for the tobacco collection and settlement process of Tieling branch of Postal savings Bank. On the basis of the existing debit card settlement process of cigarette retailers in Tieling Company, this paper studies the process schemes of various settlement methods, such as credit card settlement, online payment and inter-bank settlement, so as to enrich and optimize the tobacco fund collection process. This paper mainly adopts the methods of qualitative, quantitative and comparative research to analyze and reconstruct the process of tobacco fund collection project of Tieling branch of postal savings bank. According to the demand of the tobacco industry, the basic industrial engineering methods and quality control tools, such as job measurement and job analysis, are applied to the management theory of lean production, project management, etc. This paper analyzes and studies the process management of tobacco fund collection and settlement project of Tieling branch of postal savings bank, and reconstructs and optimizes the Lean flow of fund settlement which suits the needs of tobacco customers. The paper includes four parts: introduction, analysis of the current situation and problems of tobacco fund collection and settlement business process of Tieling Branch of Postal savings Bank, optimization design of business process, implementation of business process optimization scheme. Firstly, based on the introduction of the tobacco fund collection project of Tieling Branch of Postal savings Bank, the research background, significance, contents and methods are given. Then, based on the understanding of the collection and settlement business of tobacco funds in Tieling City Branch of the Postal savings Bank, the collection and settlement of tobacco retail households, the clearing of tobacco funds intermediate business platforms, and the settlement of tobacco funds payment are carried out. The four main processes of tobacco fund collection error processing were studied. The main problems and key reasons in the process are found out and the direction of improvement is explained. On the basis of this, a group of more effective optimization schemes are put forward for the clients signing, clearing platform and settlement and payment of tobacco funds collection business in Tieling City Branch. Finally, it also establishes the organizational guarantee for the implementation of business process optimization, the construction of an information system that matches the optimized process, and the establishment of an employee training system based on the optimized process. Four aspects of improving the incentive and constraint mechanism of enterprises put forward specific measures to ensure the implementation of the process optimization scheme.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2
【参考文献】
相关期刊论文 前7条
1 于海龙,袁捷;谈集团公司货币资金控制的五种模式[J];商业研究;2005年03期
2 罗艳;;小议烟草企业内部控制体系基本框架的构建[J];财经界(学术版);2009年04期
3 郭伏,李森;作业测定技术应用中的问题研究[J];工业工程;2003年03期
4 梅元春;寻求烟草和金融的良性互动[J];电子商务;2005年06期
5 王健;;工业工程与企业的核心竞争力[J];上海企业;2010年03期
6 董鹏;;卡莱(梅州)公司订单部业务流程改善[J];长沙民政职业技术学院学报;2011年01期
7 文平;;计划评审技术的改进[J];数学的实践与认识;2007年21期
本文编号：2328726
本文链接：https://www.wllwen.com/guanlilunwen/xiangmuguanli/2328726.html
