当前位置:主页 > 管理论文 > 营销论文 >

农村商业银行流程银行建设研究

发布时间:2018-08-29 15:45
【摘要】:银行业务流程再造是流程银行建设最核心的内容,它是企业流程再造在商业银行的具体运用和深入推广,西方各大商业银行通过流程银行建设,研究设计出全新的运营模式,将商业银行的各项业务流程重新梳理,内部管理层级重新设置,使得办事效益和经营业绩得到显著提升,为其自身创造了巨大的发展空间和新的利润增长点。我国的各大商业银行自2005年开始,依照银监部门相关文件的指引,借鉴国外先进理念,陆续开展对流程银行建设的探索工作,优化业务流程,建立健全制度流程体系,通过对市场进行调研,划分成不同的客户群体,开展针对性的营销工作,通过全面开展流程银行建设打造出全新的运营模式,持续提升其核心竞争力。本文通过研究国内外流程银行建设的先进理念和实践分析出发,借鉴其成功的思路和经验,并对我国农村商业银行的当前的现状做了深入的调查和研究,农村商业银行主要由原来的农村信用合作社、农村合作银行改革演化而来,网点主要分布在农村和城乡结合部,面临的客户群体大多是农民和个体工商户,农村商业银行在组织管理、业务操作流程、内部控制能力和营销服务力度方面都与其他已经进行流程银行建设的股份制商业银行有着非常大的差距。本文以农村商业银行特有的业务领域和服务对象为出发点,结合我国农村商业银行的实际经营和管理状况,以HX农商银行为例,运用SWOT综合分析法,明确自己的存在的优、劣势,分析当前面对的机遇和挑战,确定自己的战略目标,并将战略目标进行细化分解,制定出符合业务发展的应对策略,进一步提炼出适合农商银行现状的发展战略的实施路径,试图为农村商业银行在流程银行建设的具体实践提供指导性的框架。流程银行建设是一项非常繁杂的系统工程,希望本文能够帮助农村商业银行快速推动流程银行建设进程,使农村商业银行能够减少管理层级、优化操作流程,加强风险管控、提升核心竞争能力。
[Abstract]:Bank business process reengineering is the core content of process bank construction. It is the concrete application and promotion of business process reengineering in commercial bank. By rearranging the business processes of commercial banks and re-setting the internal management levels, the efficiency and operating performance of commercial banks have been significantly improved, which has created a huge development space and a new profit growth point for themselves. Since 2005, the major commercial banks of our country, according to the guidance of the relevant documents of the banking supervision department and drawing on the advanced ideas from abroad, have carried out the exploration of the construction of the process bank one after another, optimizing the business process and establishing and perfecting the system process system. Through the investigation of the market, divided into different customer groups, targeted marketing work, through the overall development of process banking to create a new operation model, continuously improve its core competitiveness. Based on the analysis of the advanced ideas and practices of the construction of process banks at home and abroad, this paper draws on its successful ideas and experiences, and makes a deep investigation and study on the current situation of the rural commercial banks in China. Rural commercial banks have mainly evolved from the original rural credit cooperatives and rural cooperative banks. The network is mainly distributed in rural and urban-rural areas, and most of the customer groups facing them are farmers and individual industrial and commercial households. Rural commercial banks have a very big gap with other joint-stock commercial banks which have been constructed in the aspects of organization management business operation process internal control ability and marketing service. This paper takes the special business field and service object of rural commercial bank as the starting point, combining with the actual management and management of rural commercial bank in our country, taking HX rural commercial bank as an example, using SWOT comprehensive analysis method to make clear the advantages of its own existence. Weaknesses, analysis of the current opportunities and challenges, determine their own strategic objectives, and the strategic objectives of the detailed decomposition, to formulate a business development in line with the response strategy, Further refining the implementation path of the development strategy suitable for the current situation of rural commercial banks, trying to provide a guiding framework for the concrete practice of rural commercial banks in the construction of process banks. Process bank construction is a very complicated system engineering. I hope this paper can help the rural commercial bank to promote the process of process bank construction quickly, so that the rural commercial bank can reduce the management level, optimize the operation process, and strengthen the risk control. Enhance the core competitiveness.
【学位授予单位】:安徽大学
【学位级别】:硕士
【学位授予年份】:2015
【分类号】:F832.35

【参考文献】

相关期刊论文 前4条

1 朱枫;国有商业银行业务流程再造[J];国际金融研究;2001年09期

2 邱志刚;浅析银行业务流程再造实施过程中的几个关键问题[J];杭州金融研修学院学报;2003年03期

3 蒋满霖;银行再造对中国银行业经营的启示[J];金融与经济;2004年08期

4 于海龙;商业银行业务流程再造浅析[J];新金融;2003年03期



本文编号:2211660

资料下载
论文发表

本文链接:https://www.wllwen.com/guanlilunwen/yingxiaoguanlilunwen/2211660.html


Copyright(c)文论论文网All Rights Reserved | 网站地图 |

版权申明:资料由用户86b99***提供,本站仅收录摘要或目录,作者需要删除请E-mail邮箱bigeng88@qq.com