邮储银行辽宁省分行公司授信业务流程优化研究

发布时间：2018-01-25 01:59

本文关键词： 公司授信信用评级风险限额　出处：《吉林大学》2017年硕士论文　论文类型：学位论文

【摘要】：公司授信业务是商业银行对公业务发展的重要基石,是银行利差收入和利润的主要来源,同样也是银行巩固客户关系拓展其它业务的核心业务。然而对于像邮储银行起步较晚的新生商业银行来讲,公司授信业务的起步要晚于其它贷款业务,但其发展速度、风险可控性以及收益率来讲要远超过其它信贷业务,它对于像邮储银行这样的新生商业银行的可持续的发展来讲起着举足轻重的作用,从目前成熟的商业银行业务流程现状来看,公司授信业务的研究范围主要集中在银行分层次经营管理和公司授信业务的整体,主要是对公司授信业务的系统探讨和理论阐述,然而从实际情况上来看,不断研究探索新生商业银行基层行的公司授信业务流程化管理,对其良性长远的发展更具有实际的现实意义。邮储银行辽宁省分行通过十年小额贷款的发展虽然取得了斐然的业绩,但随着信用风险的增加逾期率的上升,进而也给邮储银行辽宁省分行在未来的发展埋下了一个隐患,辽宁省分行充分的认识到这一点,在维持现有规模的小额贷款业务基础上,发展大中型企业授信业务是具有战略意义上的变革,这样才能实现自身的可持续发展。全文主要内容如下:本文主要运用的价值链理论和流程优化再造理论,通过探讨两种理论对商业银行公司授信流程优化的启示,提出流程优化的影响因素及商业银行业务流程化的相关研究。首先对辽宁省分行公司授信业务发展现状做以介绍,通过比较分析法指出公司授信业务是省分行目前最具发展潜力的基础业务;同时对公司授信业务的基本流程、信用评级体系、风险限额核定体系做以介绍;其次对公司授信业务流程进行优化,通过一般性模拟分析,指出省分行优化后如何提高经营业绩;最后提出三大流程的保障机制,并说明在保障机制的基础上通过信息技术管理,可以提高经营业绩。本研究主要创新之处在于通过流程优化为中介变量,通过公司授信业务流程体系、信用评级体系、风险限额核定体系的流程优化如何影响辽宁省分行公司授信业务的经营业绩,丰富了新生商业银行公司授信业务评级授信流程体系的内涵和研究方法。
[Abstract]:Corporate credit business is an important cornerstone of the development of commercial banks to the public business, is the main source of bank interest income and profit. It is also the core business for banks to consolidate customer relations and expand other businesses. However, for new commercial banks such as Postal savings Bank, which started late, the corporate credit business started later than other lending businesses. But its development speed, risk controllability and rate of return are far more than other credit business, it plays an important role in the sustainable development of new commercial banks such as Postal savings Bank. From the current mature business process of commercial banks, the research scope of corporate credit business is mainly focused on the banking management and corporate credit business as a whole. Mainly to the company credit business system discussion and the theory elaboration, but from the actual situation, unceasingly studies and explores the nascent commercial bank grass-roots bank company credit business flow management. Postal savings Bank of Liaoning Province Branch through the development of small loans in the past ten years has made remarkable achievements, but with the increase of credit risk, the overdue rate increases. Moreover, it has laid a hidden danger for the future development of postal savings bank Liaoning branch. Liaoning province branch fully recognizes this point, and maintains the existing small loan business on the basis of the existing scale. The development of large and medium-sized enterprises credit business is a strategic change, so as to achieve their own sustainable development. The main contents of this paper are as follows: the value chain theory and the theory of process optimization and reengineering are mainly used in this paper. Through discussing two kinds of theories to the commercial bank company credit flow optimization enlightenment. Put forward the influencing factors of process optimization and commercial bank business process related research. First of all, the status quo of Liaoning branch company credit business development is introduced. Through the comparative analysis, it is pointed out that the company credit business is the most potential basic business of provincial branch at present. At the same time, the basic process, credit rating system, risk limit approval system are introduced. Secondly, it optimizes the business process of company credit, and points out how to improve the business performance after the optimization of provincial branch through general simulation analysis. At last, the paper puts forward the guarantee mechanism of three processes, and explains that based on the guarantee mechanism, the management of information technology can improve the business performance. The main innovation of this study is to optimize the process as an intermediary variable. Through the business process system, credit rating system, risk quota approval system, how to optimize the process of Liaoning branch company credit business performance. It enriches the connotation and research methods of credit rating process system of new commercial banks.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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