我国商业银行流程再造研究

发布时间：2018-04-03 04:13

本文选题：商业银行　切入点：流程再造　出处：《首都经济贸易大学》2014年硕士论文

【摘要】：一场2007年的全球性金融危机，让长期以“收益高、风险低、管理强”自称的美国银行业瞬间失去了全球金融霸主的头衔，这对一直处于第二阶梯的我国银行业来说是一个绝好的赶超和发展契机。但是，从当前我国经济环境来看，存款脱媒、存贷款利差缩小，互联网金融发展势头猛进等新趋势，都对我国传统商业银行造成不小的冲击，如果仍然“按部就班”地遵循以“银行本位主义”的发展思路及传统“部门制”的管理模式，仅仅依靠政府扶持或政策保护，而不以客户和市场为中心，积极转变战略发展思路和观念，，那么长期暴露出的机构臃肿、流程繁复、层级过多、产品同质化、服务效率低下等传统银行诟病，势必将阻碍我国商业银行自身的可持续发展。而通过何种方式才能快速、稳健地提升自身综合实力和盈利能力，拓宽业务规模和市场份额，实现规模效益的双增长，在国际竞争中迅速上位，这是摆在我国银行业面前的最大难题。而流程再造理论的引进，正好为处于战略转型时期的我国商业银行提供了改革方向和工具。实际上，由于国内外经济发展速度的不平衡性，我国商业银行现今遭遇的金融局势变动和竞争环境，早于20多年前就已摆在欧美银行面前，我们的国外同业们并没有固守传统，而是在深入研究和分析环境和市场因素及未来市场发展方向的基础上，及时探索和实践，大胆变革和创新，顺利将传统银行管理模式通过流程再造等手段，和平过渡至现今高效、安全、合规的流程银行管理模式。而在这当中发挥积极作用的“流程再造”理论，值得我们在结合我国商业银行发展的基础上进行深入的研究，故笔者采用理论分析与实证研究相结合的方式，以业务流程再造理论研究为基础，借鉴国外先进银行流程再造实例，总结提炼出适宜我国商业银行流程再造的总体设计方案，从而为我国商业银行流程再造提供新的设计思路。
[Abstract]:A global financial crisis in 2007 led to the loss of the title of global financial hegemon for a long time to the self-proclaimed "high return, low risk, strong management" in the United States.This has been in the second ladder of our banking industry is a great opportunity to catch up and develop.However, from the point of view of the current economic environment in China, new trends such as deposit disintermediation, narrowing of deposit and loan spreads, and rapid development of Internet finance have all caused a great impact on traditional commercial banks in China.If we still follow the development thinking of "bank-oriented" and the traditional "sector-system" management mode "step by step" and rely solely on government support or policy protection, rather than focusing on customers and markets,By actively changing strategic development ideas and concepts, the traditional banks, such as bloated institutions, complicated processes, excessive levels, homogenization of products and low efficiency of service, will inevitably hinder the sustainable development of commercial banks in our country.And how can we quickly and steadily improve their comprehensive strength and profitability, broaden the scale of business and market share, achieve the dual growth of scale benefit, and quickly rise in the international competition,This is the biggest problem in front of China's banking industry.The introduction of the theory of process reengineering provides the reform direction and tool for the commercial banks in the period of strategic transformation.In fact, due to the imbalance in the pace of economic development at home and abroad, the changes in the financial situation and the competitive environment encountered by commercial banks in our country have been in front of European and American banks since more than 20 years ago, and our foreign counterparts have not adhered to the tradition.Instead, on the basis of in-depth study and analysis of environmental and market factors and the direction of future market development, timely exploration and practice, bold change and innovation, and smooth implementation of the traditional banking management model through such means as process reengineering,A peaceful transition to today's efficient, secure, and compliant process banking management model.The theory of "process reengineering", which plays an active role in this process, is worthy of our in-depth study on the basis of the development of commercial banks in China. Therefore, the author adopts the combination of theoretical analysis and empirical research.Based on the research of business process reengineering (BPR) theory and drawing lessons from foreign advanced bank BPR examples, this paper summarizes the overall design scheme suitable for BPR in China, thus providing a new design idea for BPR in China.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

【引证文献】