大连农村商业银行公司信贷业务流程再造研究

发布时间：2018-01-08 07:09

本文关键词：大连农村商业银行公司信贷业务流程再造研究　出处：《大连理工大学》2014年硕士论文　论文类型：学位论文

【摘要】：大连农村商业银行是由农村信用社改制成立的一家股份制商业银行,多年来一直秉承“扎根农村,服务三农”的经营宗旨,积极为农民和农村中小企业提供信贷服务,是农村金融的主力军。近年来,随着多家商业银行在农村设立分支机构以及村镇银行和小额贷款公司等新兴农村金融机构的异军突起,同业竞争日趋加剧,曾经在大连农村金融市场上占有绝对优势的大连农村商业银行面临前所未有的竞争压力。如何提高核心竞争能力来应对其他金融机构的挑战,是大连农村商业银行当前急需认真解决的问题。公司信贷业务是大连农村商业银行目前经营的核心业务,公司信贷业务流程的效率对于大连农村商业银行巩固和拓展优质客户群体、提升核心竞争力和防范控制风险能力至关重要。因此,改变传统的经营理念,学习和借鉴国内外商业银行的再造经验,建立科学合理的以客户为中心的公司信贷业务流程,有效满足客户的需求、提升信贷服务水平,是大连农村商业银行应对挑战和竞争的必然选择。本文以大连农村商业银行为研究对象,综合运用业务流程再造的理论、方法和技术,对其公司信贷业务流程再造进行研究。首先,通过介绍论文的选题背景和研究意义,概括性地回顾了国内外对业务流程再造和银行再造的相关研究文献,从而提出了本文的理论研究方法及主要内容。其次,通过问卷调查法、访谈法等方式对大连农村商业银行现有公司信贷业务流程各个环节进行了诊断,根据诊断结果对公司信贷流程中的客户申请受理与调查环节、审查与审议审批环节、贷后监控管理环节进行了系统的、详细的再造设计,建立了客户营销和产品设计流程,简化了调查、审查、审议、审批环节流程,建立了贷后风险预警管理流程,在有效提升流程运行效率的同时也提高了信贷风险防控能力。最后,为保证再造后的公司信贷业务流程的顺利实施,本文制定了实施公司信贷业务流程再造的配套措施,预测和分析了再造后新业务流程的预期效果,突出了新流程的优点。本文试图为大连农村商业银行公司信贷业务流程的进一步完善与发展提供较好的理论指导,因此,也希望对其进一步细化公司信贷管理具有一定的借鉴作用。
[Abstract]:Dalian Rural Commercial Bank is a joint-stock commercial bank established by rural credit cooperatives. For many years, Dalian Rural Commercial Bank has been adhering to the management purpose of "taking root in rural areas and serving agriculture, countryside and farmers". Actively providing credit services to farmers and small and medium-sized rural enterprises is the main force of rural finance in recent years. With the emergence of many commercial banks in rural areas as well as new rural financial institutions such as village banks and microfinance companies, the competition among the same industry is becoming more and more serious. Dalian Rural Commercial Bank, which once had an absolute advantage in Dalian rural financial market, is facing unprecedented competitive pressure. How to improve the core competitive ability to meet the challenges of other financial institutions. Dalian Rural Commercial Bank is in urgent need of serious solutions. Corporate credit business is the core business of Dalian Rural Commercial Bank at present. The efficiency of corporate credit business process for Dalian Rural Commercial Bank to consolidate and expand the quality of customer groups. It is very important to improve the core competence and prevent and control risks. Therefore, we should change the traditional management concept and learn from the domestic and foreign commercial banks' experience of reengineering. It is an inevitable choice for Dalian Rural Commercial Bank to meet the challenge and competition of Dalian Rural Commercial Bank by establishing a scientific and reasonable business process of company credit, which can effectively meet the needs of customers and improve the level of credit service. This article takes Dalian Rural Commercial Bank as the research object, synthetically uses the business process reengineering theory, the method and the technology, carries on the research to its company credit business process reengineering. First of all, by introducing the background and significance of the thesis, the paper reviews the domestic and foreign research literature on business process reengineering and banking reengineering. Thus, the theoretical research method and main contents of this paper are put forward. Secondly, through the method of questionnaire, interviews and other ways to Dalian Rural Commercial Bank of the existing corporate credit business process of the diagnosis of each link. According to the results of the diagnosis of the company's credit process in the process of customer application acceptance and investigation, review and review of the examination and approval link, loan monitoring and management of the link carried out a systematic, detailed reengineering design. Established the customer marketing and product design process, simplified the investigation, review, review, approval process, established the post-loan risk early warning management process. At the same time, it improves the ability of preventing and controlling credit risk. Finally, in order to ensure the successful implementation of the corporate credit business process after reengineering, this paper formulates the supporting measures to implement the corporate credit business process reengineering, and forecasts and analyzes the expected effect of the new business process after the reengineering. The advantages of the new process are highlighted. This paper attempts to provide better theoretical guidance for the further improvement and development of the credit business process of Dalian Rural Commercial Bank. Therefore, it also hopes to further refine the corporate credit management has a certain reference role.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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