建设银行个人贷款系统运行管理改进研究

发布时间：2018-01-09 07:31

本文关键词：建设银行个人贷款系统运行管理改进研究　出处：《湖南大学》2014年硕士论文　论文类型：学位论文

【摘要】：改革开放以来，尤其是进入新世纪以来伴随我国经济的强势崛起和金融体制改革的稳步推进，以四大国有商业银行为主体的我国金融机构不断加大改革力度，，顺应世界经济一体化和金融自由化的发展趋势，始终以市场为导向以金融创新为抓手，以信息化建设为切入点，努力增强自身的核心竞争力。然而由于种种原因，我国商业银行的信息系统尤其是IT架构也面临一些突出性的瓶颈问题，如缺乏应对复杂形势变化的先进组件及设计以及针对日益增长的信贷业务IT系统的灵活性支持明显不足。本文正是基于这样的时代背景，以建设银行的个人贷款系统运行管理为研究对象，通过系统分析建设银行信息化建设的发展沿革以及存在的诸多现实问题，本文以我国国有商业银行的代表即建设银行的个人贷款系统运行管理优化为研究对象，在研究中坚持理论分析和实证分析的有机结合，在积极借鉴美国、日本等西方发达国家金融机构个贷业务IT项目先进管理经验的基础上，紧密结合我国金融体制改革和商业银行的具体实际，尤其是在关于建设银行个人贷款业务IT项目发展沿革以及现状问题的实证调研和科学分析中，力求全面弄清建设银行个贷业务信息化建设的瓶颈和问题根源。最后，本文有针对性地提出了建设银行个人贷款系统运行管理的优化对策及实施和保障措施，以便从根本上提高建设银行的核心竞争力，增强建设银行的管理质量和运营效益，不断提升其在国内和国际金融市场竞争中的竞争优势。相对于同类研究而言，本文研究具有十分重要的理论探索意义和实践指导意义，可以说本研究成果具有鲜明的时代特色和较强的针对性与实践操作性。如果本文研究能够在一定程度上促进建设银行的信息化建设并推动其个贷业务系统运行管理的水平提高，能够在一定程度上为其他金融机构的IT运行管理提供有益的借鉴和范式参考，能够在一定程度上提升我国金融机构和金融体制改革的纵深发展本人将感到十分的欣慰。
[Abstract]:Since the reform and opening up, especially in the new century, with the strong rise of China's economy and the steady progress of the financial system reform, the four state-owned commercial banks as the main body of our financial institutions continue to increase the strength of reform. In line with the development trend of world economic integration and financial liberalization, we always take the market as the guide and financial innovation as the starting point, and take the information construction as the starting point. However, due to various reasons, the information system of Chinese commercial banks, especially IT architecture, also faces some prominent bottlenecks. For example, the lack of advanced components and design to cope with the complex situation changes and the obvious lack of flexibility support for the growing credit business IT system. This paper is based on such an era background. Taking the operation and management of the personal loan system of China Construction Bank as the research object, this paper systematically analyzes the development and evolution of the construction bank's information construction and many practical problems. In this paper, the representative of state-owned commercial banks, namely, China Construction Bank's personal loan system operation and management optimization as the research object, in the research adhere to the organic combination of theoretical analysis and empirical analysis, and actively learn from the United States. On the basis of advanced management experience of IT projects in financial institutions in western developed countries such as Japan and other western developed countries, the reform of our financial system and the concrete reality of commercial banks are closely combined. Especially in the construction bank personal loan business IT project development history and the current situation of empirical research and scientific analysis. Finally, this paper puts forward the optimization countermeasures and implementation and guarantee measures of the operation and management of the personal loan system of the Construction Bank in order to fully understand the bottlenecks and root causes of the construction bank's individual loan business information construction. In order to fundamentally improve the core competitiveness of China Construction Bank, enhance the management quality and operational efficiency of China Construction Bank, and constantly enhance its competitive advantage in the domestic and international financial market competition. Compared with the similar research, this study has a very important significance of theoretical exploration and practical guidance. It can be said that the research results have distinct characteristics of the times, strong pertinence and practical maneuverability. If the research in this paper can to a certain extent promote the informatization construction of China Construction Bank and promote the operation management of its individual loan business system. The level of reason is improved. To some extent, it can provide useful reference and paradigm reference for the IT operation management of other financial institutions. It will be very gratifying to be able to promote the in-depth development of financial institutions and financial system reform in China to a certain extent.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2;F832.4

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