X农商银行个人外汇兑换业务流程优化研究

发布时间：2018-05-07 01:31

本文选题：流程优化 + 个人外汇兑换　；参考：《吉林大学》2017年硕士论文

【摘要】：随着我国经济金融的发展、国民生活水平的不断提高,出境旅游、出国留学等私人跨境活动日渐成为热门话题。根据《中华人民共和国国民经济和社会发展统计公报(2015)》,2015年国内居民因私出境人数达到12172万人次,相比2014年增长了10.6%;赴港澳台出境8588万人次,相比2014年增长了4.4%。据国家统计局数据,2014年我国出国留学人员达45.98万人,较上年增长11.1%。随着出境旅游、出国留学的兴起,各大银行纷纷深入出国金融市场,推出各项业务和优惠活动发掘个人外汇市场。X农商银行总部坐落于江苏省苏南经济较为发达的地区,是全国首批组建的股份制农村商业银行之一,在本地市场拥有着庞大的客户群体。X农商银行自2002年开始开办国际业务,经过了十几年的国际业务的发展,全行国际结算量在全市的市场占有量位居第五。但是该农商银行国际业务主要以公司客户国际业务为主,个人客户国际业务占全行国际结算量的比例较小。随着出国金融的日渐火热,该农商银行希望在向现代零售银行转型的过程中加强个人外汇业务的发展、进入本地出国金融市场。X农商银行要想加强其个人外汇业务的发展、进入本地出国金融市场,必须要对其现有的个人外汇业务进行全面分析,根据其市场定位和客户需求重新构造其个人外汇业务产品及服务。本文通过对X农商银行现有个人外汇兑换业务流程进行分析,指出了现有业务流程中存在的渠道单一、流程复杂的问题。为了提高个人外汇兑换业务的效率,提高客户满意度,为进入出国金融市场、更好地发展个人外汇业务打好基础,X农商银行需要对个人外汇兑换业务流程进行全面分析,再造适应当前市场需求的业务流程。本文通过对X农商银行个人外汇兑换业务流程进行全面、系统的分析和论述,为开展研究打下基础;也对现有业务流程存在的问题进行分析,提出适应市场的业务流程,并对将来的业务管理提出建议。这不仅对该农商银行的个人外汇兑换业务流程的规范、优化和提升具有现实指导意义,同时也对其他农商银行在个人外汇兑换业务流程的规范、优化和提升具有一定参考价值。
[Abstract]:With the development of economy and finance in our country and the improvement of national living standard, private cross-border activities such as outbound tourism and studying abroad have become a hot topic day by day. According to the National Economic and Social Development Statistics Bulletin of the people's Republic of China, the number of domestic residents leaving the country by private means reached 121.72 million in 2015, an increase of 10.6 compared with 2014, and 85.88 million trips to Hong Kong, Macao and Taiwan, an increase of 4.4 percent compared with 2014. According to the National Bureau of Statistics, the number of students studying abroad reached 459800 in 2014, an increase of 11.1 percent over the previous year. With the rise of outbound tourism and studying abroad, the major banks have gone deep into the overseas financial market and launched various business and preferential activities to explore the individual foreign exchange market. The headquarters of the Agricultural Commercial Bank of Jiangsu Province is located in the economically developed area of southern Jiangsu Province. It is one of the first joint-stock rural commercial banks set up in the country. It has a huge customer group in the local market .X Agricultural Commercial Bank has started to open international business since 2002, after more than ten years of development of international business. The whole bank's international settlement volume in the city's market share of the fifth. However, the international business of the bank is mainly the international business of the company's customers, and the proportion of the international business of individual customers to the international settlement of the whole bank is relatively small. With the growing popularity of foreign finance, the bank hopes to strengthen the development of individual foreign exchange business in the process of transition to a modern retail bank, and to strengthen the development of its personal foreign exchange business by entering the local overseas financial market. In order to enter the local foreign exchange market, we must make a comprehensive analysis of its existing personal foreign exchange business, and reconstruct its personal foreign exchange business products and services according to its market orientation and customer needs. Based on the analysis of the existing business process of individual foreign exchange exchange in X Agricultural and Commercial Bank, this paper points out the problems of single channel and complicated flow in the existing business process. In order to improve the efficiency of personal foreign exchange business and improve customer satisfaction, and in order to enter the overseas financial market and better develop personal foreign exchange business, the Bank of Agriculture and Commerce needs to conduct a comprehensive analysis of the business process of individual foreign exchange exchange. Reengineering business processes to meet current market needs. This paper makes a comprehensive, systematic analysis and discussion on the business process of individual foreign exchange exchange of X Agricultural and Commercial Bank, which lays the foundation for the research, and also analyzes the problems existing in the existing business process, and puts forward the business process to adapt to the market. And put forward the suggestion to the future business management. This not only has practical guiding significance for the standardization, optimization and promotion of the individual foreign exchange business process of the agricultural and commercial bank, but also has certain reference value for the standardization, optimization and promotion of other agricultural and commercial banks in the personal foreign exchange business process.
【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】：F832.6

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