MF银行柜台业务流程再造研究

发布时间：2018-07-11 10:28

本文选题：银行柜台业务 + 业务流程再造　；参考：《天津工业大学》2017年硕士论文

【摘要】：商业银行的柜台业务在数量上虽然所占比重较小,但仍然是商业银行业务的重要组成部分。在MF银行提出"发展为全国性的一流商业银行"这一目标的背景下,如何重新优化MF银行的柜台业务运作方法,将劣势转变为优势,继而加强MF银行的核心竞争力就具有非常重要的现实意义。本文首先阐述了 "MF银行柜台业务流程再造"这一课题的研究背景及研究意义;其次,分别从银行对外的客户到银行内部的普通员工、监督者及管理者的不同角度来探讨银行柜台业务运营状况中存在的问题及不足之处;随后,通过分析得到产生问题的原因;再次,从产生问题的原因出发,有针对性地结合业务流程再造理论,从柜台业务的三个关键方面业务流程再造为出发点,分别论述了柜台业务流程再造的理论思想、针对新业务流程的具体方法步骤;最后,借助于上述对比分析结果,制定出了了 MF银行运营组织系统优化的目标。此外,通过对柜台业务运营方式优化以及在提升业务处理效率、防控风险体系建设、持续降低运营成本、业务产品转型提速与简化人员组织架构等方面获得的成效,进行了初步的理论设想;最后,得到相关研究结论。本文依据业务流程再造理论,对MF银行的三大柜台业务组成部分:普通柜员操作、授权业务、事后监管审核业务运营模式进行了分析和优化建议,并提出了柜台业务运营模式优化所依赖的保障措施。通过这种优化,将使MF银行的柜台业务运营效率大幅提升,网点柜台压力大幅减少,运营操作成本降低,风险合规把控加强,实现MF银行QM分行企业核心竞争力的增强与所有者权益的不断提高。
[Abstract]:The over-the-counter business of commercial banks is still an important part of commercial bank business, although it accounts for a small proportion in quantity. In the context of MF Bank's goal of "developing into a national first-class commercial bank", how to optimize the operation method of MF Bank's over-the-counter business and turn its inferiority into an advantage, Then strengthen the core competitiveness of MF Bank has very important practical significance. This paper first expounds the research background and significance of the topic of "MF Bank counter Business process Reengineering"; secondly, from the external customers of the bank to the ordinary employees inside the bank, Supervisors and managers from different perspectives to explore the operational status of the bank counter business problems and deficiencies; then, through analysis to obtain the causes of the problems; again, from the causes of the problems, Combining the theory of business process reengineering with the theory of business process reengineering, this paper discusses the theoretical ideas of the business process reengineering of the counter from the three key aspects of the counter business, and the concrete method and steps of the new business process. Finally, Based on the above results, the optimization goal of MF Bank operational organization system is established. In addition, by optimizing the operation mode of the counter business and improving the efficiency of business handling, building a risk prevention and control system, continuously reducing operating costs, speeding up the transformation of business products and simplifying the personnel organization structure, etc. A preliminary theoretical assumption is made. Finally, relevant conclusions are obtained. Based on the theory of business process reengineering, this paper analyzes and optimizes the three major business components of MF Bank: common teller operation, authorized business, post-supervision and audit business operation mode. And put forward the counter business operation mode optimization depends on the safeguard measures. Through this optimization, the operating efficiency of MF Bank's over-the-counter business will be greatly improved, the pressure on the counter of the network will be greatly reduced, the operating cost will be reduced, and the risk compliance control will be strengthened. Realize MF bank QM branch enterprise core competitive power enhancement and owner's equity unceasingly enhancement.
【学位授予单位】：天津工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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