A银行信贷业务流程优化研究

发布时间：2018-09-18 10:48

【摘要】：随着我国经济体制改革的进行,我国金融市场发展迅速,市场机制越来越完善,金融市场逐渐繁荣起来,商业银行的经营环境发生了巨大变化,各商业银行间的竞争也日趋激烈。特别是近年来我国发布了一系列新的政策,对金融市场及银行业进行了进一步改革和开放,给商业银行带来了极大的挑战和机遇。商业银行面对日趋激烈的国际、国内竞争,只有摆脱传统经营方式和经营思想的束缚,对商业银行的流程进行再造和优化,改变传统的组织结构、业务流程等,才能有效的利用银行各种有限的资源,提高银行的运营和管理效率,使商业银行在竞争中找到出路,在竞争中谋取稳定发展。本文首先对流程优化的相关理论进行理论综述,简述了国内外流程管理理论、业务流程再造相关理论及业务流程优化的相关理论及方法,并简要总结了银行业务流程优化的相关研究。接着本文对我国中小型商业银行青岛A银行的信贷业务流程进行了梳理,主要针对A银行的核心流程——信贷业务流程进行流程相关分析及流程优化：文章首先分析了A银行的现状及流程的现状,从流程标准化、流程衔接及效率等方面分析了A银行信贷业务流程中存在的问题,并进一步从组织结构、以客户为中心的理念、绩效管理等方面分析总结了相关问题存在的原因,从提高效率、提高客户满意度等方面提出了A银行信贷业务流程进行流程优化的必要性；然后,文章针对A银行信贷业务流程中存在的相关问题,借鉴国内外案例的成功经验,去芜存菁,对A银行信贷业务流程优化的原则及思路进行总结,根据以客户为中心、利用IT手段等原则对A银行信贷业务进行了流程优化设计,主要从信贷业务整体流程、缩短操作流程、控制不同风险、外包审计业务等方面进行了优化设计。最后针对A银行现状提出了优化组织结构、建立配套机制两方面的信贷业务流程优化的保障措施。本文结合业务流程再造及优化的相关理论,吸取国内外流程优化的成功案例的经验,对A银行核心业务即信贷业务的流程进行优化,将理论与实践相结合进行分析研究,探索符合市场、客户要求并适应A银行发展现状的信贷业务流程,为A银行建立一个较为完整的信贷业务流程体系,解决A银行现有流程不通畅、效率低下等问题,以提高A银行的信贷业务流程的效率,提高A银行的经营效益和核心竞争力,希望能为我国商业银行的业务流程优化理论的应用与实践,提供有价值的建议和参考。
[Abstract]:With the development of China's economic system reform, the financial market has developed rapidly, the market mechanism has become more and more perfect, the financial market has become more and more prosperous, and the operating environment of commercial banks has undergone tremendous changes. Competition among commercial banks is becoming increasingly fierce. Especially in recent years, China has issued a series of new policies to further reform and open the financial market and banking industry, which has brought great challenges and opportunities to commercial banks. In the face of increasingly fierce international and domestic competition, commercial banks can only get rid of the shackles of traditional management methods and management ideas, reengineer and optimize the processes of commercial banks, and change the traditional organizational structure and business processes, etc. In order to effectively utilize all kinds of limited resources of banks, improve the efficiency of operation and management of banks, commercial banks can find a way out in the competition and seek stable development in the competition. In this paper, the related theories of process optimization are reviewed, and the theories and methods of process management, business process reengineering and business process optimization are briefly introduced. And summarizes the bank business process optimization related research briefly. Secondly, this paper combs the credit business process of Qingdao A Bank, a small and medium-sized commercial bank in China. This paper mainly focuses on the process correlation analysis and process optimization of Bank A's core process-credit business process: firstly, this paper analyzes the current situation of Bank A and the current situation of the process, from the standardisation of the process, This paper analyzes the problems existing in the credit business process of Bank A from the aspects of process convergence and efficiency, and further analyzes and summarizes the causes of the related problems from the aspects of organizational structure, customer-centered concept, performance management, and so on, in order to improve the efficiency. In order to improve customer satisfaction and other aspects, the paper puts forward the necessity of process optimization in the credit business process of Bank A; then, aiming at the problems existing in the credit business process of Bank A, the paper draws lessons from the successful experience of domestic and foreign cases, This paper summarizes the principles and ideas of Bank A's credit business process optimization, designs the process optimization of A bank's credit business according to the principles of customer-centered and IT means, mainly from the overall credit business process, shortens the operation process. Control of different risks, outsourcing audit business and other aspects of the optimization design. Finally, aiming at the present situation of Bank A, the paper puts forward the guarantee measures of optimizing the organization structure and establishing the supporting mechanism of the credit business process optimization. This paper combines the relevant theories of business process reengineering and optimization, absorbs the experience of successful cases of process optimization at home and abroad, optimizes the process of A bank's core business, that is, credit business, and analyzes and studies the combination of theory and practice. To explore the credit process that meets the needs of the market and customers and adapts to the development status of Bank A, establishes a relatively complete credit business process system for Bank A, and solves the problems of poor flow and low efficiency in Bank A. In order to improve the efficiency of the credit business process of Bank A and to improve the management efficiency and core competitiveness of Bank A, it is hoped that it can provide valuable suggestions and references for the application and practice of the theory of business process optimization of commercial banks in China.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.35;F832.4

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