D银行贷款业务流程再造研究

发布时间：2018-05-15 21:05

本文选题：银行 + 贷款业务　；参考：《山东大学》2017年硕士论文

【摘要】：随着我国经济的不断发展,金融业取得了耀眼的成绩,但在经济下行新常态下,银行的压力与日俱增,伴随着经济全球化程度的不断加深和我国金融改革工作的不断深化,我国的商业银行面临着越来越多的挑战和冲击。银行贷款业务流程再造是流程管理思想的延伸和发展,是业务流程调整的过程,并使得其更为优化。在此过程中,经营者通过重组业务流程结构、合并分拆原有的流程来不断提高管理水平、降低贷款风险,并通过降低贷款管理成本,提高贷款风险控制水平,优化银行贷款效率和经营效益,最终促进银行整体竞争水平的提高。因此针对贷款业务流程进行再造成为越来越多商业银行的选择。本文中的D银行前身是山东当地某县区的农村信用社,2016年3月,该农村合作银行与当地另一县区的农村商业银行合并,设立农村商业银行股份有限公司D,贷款业务是该银行核心业务之一。本文通过对比分析法、实地调查法、理论与实际结合等方法,分析D银行在贷款流程方面存在的问题及问题原因所在,认为对D银行贷款业务进行流程再造是极为必要的,然后审慎的为D银行流程再造提出一系列贷款优化措施。同时建议D银行采取其他改革措施加以配合,以期达到客户满意度得到有效提升、组织架构得以优化、审批时效显著提高、风险控制能力明显增强等效果。
[Abstract]:With the continuous development of China's economy, the financial industry has made dazzling achievements, but under the new norm of the economic downturn, the pressure of the bank is increasing. With the deepening of the economic globalization and the deepening of our financial reform, the commercial banks in China are facing more and more challenges and shocks. Process reengineering is the extension and development of the thought of process management. It is the process of the adjustment of business process and makes it more optimized. In this process, the operator improves the management level and reduces the loan risk by restructuring the business process structure and merging the original process to reduce the loan risk, and improves the control level of the loan risk. In order to optimize the bank's loan efficiency and management efficiency, the overall competition level of the bank is promoted. Therefore, the reengineering of the loan business process has become a choice for more and more commercial banks. The D bank in this paper is the rural credit cooperatives in a local county in Shandong, in March 2016, the rural cooperative bank and the other local county farmers. The village commercial bank merged and set up the Limited by Share Ltd D of the rural commercial bank. The loan business is one of the core business of the bank. This paper analyzes the problems and the causes of the D bank in the loan process by means of comparative analysis, field investigation, theory and practice, and thinks that the process of D bank loan business is reformed. It is very necessary to build a series of loan optimization measures for D bank process reengineering. At the same time, it is suggested that D bank take other reform measures to cooperate in order to achieve the effective improvement of customer satisfaction, optimize the organizational structure, improve the time of examination and approval, and enhance the ability of risk control.

【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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