农发行白山市分行信贷业务流程优化研究

发布时间：2018-01-12 04:34

本文关键词：农发行白山市分行信贷业务流程优化研究　出处：《吉林大学》2017年硕士论文　论文类型：学位论文

【摘要】：中国农业发展银行(以下简称农发行)自成立以来,在服务三农,特别是支持粮棉油收储、农业开发和农业农村基础设施建设等方面发挥着极其重要的作用。国务院早在2015年就下发了关于农业发展银行改革的相关方案,在批复中强调并阐述了具体实施内容,要求人民银行与其有关部门和单位严格按照不同的职责划分,切实加强部门间的配合,完善其后续监督管理的工作,加快后续改革步伐,依法合规、稳妥有序进行。在批复中特别强调了,农业发展银行改革是要以政策性业务为主体,通过对政策性业务和自营型业务实施分账管理,分类核算,明确责任和风险补偿机制确立以资本充足率为核心的约束机制建立规范的治理结构和决策机制,把中国农业发展银行建设成为具备可持续发展能力的农业政策性银行。在总行改革的大背景下农业发展银行的业务品种和业务范围在不断扩大。农发行的业务发展较以往传统型业务发展模式有了很大的转变。为适应农发行建设社会主义新农村建设的新时代目标,中国农业发展银行白山市分行(以下简称白山市分行)作为分支机构,应切实转变发展理念和经营思路,认识到当前信贷业务发展所存在的问题,找出信贷业务流程中的短板,把握好作为政策性银行的定位,也应借鉴商业银行优秀的管理及操作经验,本文对白山市分行信贷业务流程现状进行了认真的总结和梳理,当前在信贷体制上存在着人员配置不完备,业务人员流程不规范、服务质量不高等问题;在具体业务流程中存在着信贷流程不顺畅,部门壁垒高、业务流程冗长重复率高,贷款前中后太没有明确区分等问题,论文从贷款的受理、调查、审查、审批、贷后管理等环节着重写了优化策略。最后在优化的实施保障中重点从四个方面入手,具体内容为:优化组织结构、提升人力资源机制、加强企业文化建设以及信息技术的导入和应用。本文通过理论与实践相结合的方式,探索符合市场、适应客户的信贷业务流程,切实改变现阶段白山市分行信贷业务发展的瓶颈,针对白山市分行可持续发展战略的逐步实施,通过信贷业务流程的优化提供强有力的业务支持和优化保障。
[Abstract]:Agricultural Development Bank of China (hereinafter referred to as Agricultural Development Bank) since its establishment, in the service of agriculture, rural areas, especially to support grain, cotton and oil storage. Agricultural development and agricultural rural infrastructure construction play an extremely important role. As early as 2015, the State Council issued a related plan on the reform of the Agricultural Development Bank. In the written reply, it emphasized and elaborated on the specific implementation content, and requested the people's Bank of China and its relevant departments and units to strictly divide their duties according to different responsibilities, earnestly strengthen the cooperation between departments, and improve their follow-up supervision and management work. Accelerating the pace of subsequent reform, complying with the law, and proceeding in a steady and orderly manner. In the written reply, it was particularly emphasized that the reform of the Agricultural Development Bank should take the policy business as the main body. Through the implementation of separate account management, classified accounting, clear responsibility and risk compensation mechanism to establish the capital adequacy ratio as the core of the constraint mechanism to establish a standardized governance structure and decision-making mechanism. The Agricultural Development Bank of China will be built into an agricultural policy bank with the ability of sustainable development. Under the background of the reform of the head office, the variety and scope of business of the Agricultural Development Bank of China will be continuously expanded. Compared with the traditional business development model, the exhibition has a great change. In order to adapt to the new goal of the new socialist countryside construction of the Agricultural Development Bank. As a branch of the Agricultural Development Bank of China, Baishan Branch (hereinafter referred to as Baishan Branch) should change its concept of development and management ideas and realize the existing problems in the development of credit business. Find out the credit business process in the short board, grasp the positioning as a policy bank, we should also learn from the excellent management and operational experience of commercial banks. This paper summarizes and combs the present situation of the credit business process in Baishan Branch. At present, there are some problems in the credit system, such as the imperfect staffing, the non-standard business process, the low service quality and so on. There are some problems in the specific business process, such as the credit process is not smooth, the department barriers are high, the business process is long and repetition rate is high, there is no clear distinction before and after the loan, and so on, the paper from the loan acceptance, investigation, review, approval and so on. Finally, in the implementation of the optimization of the security focus from four aspects, the specific content is: optimize the organizational structure, enhance the human resources mechanism. Strengthen the construction of enterprise culture and the introduction and application of information technology. Through the combination of theory and practice, this paper explores the business process that accords with the market and adapts to the customer's credit business process. The bottleneck of the development of credit business in Baishan Branch at this stage is changed. In view of the gradual implementation of the sustainable development strategy of Baishan Branch, it provides strong business support and optimization guarantee through the optimization of the credit 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】：F832.4

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