六西格玛在银行信贷风险管理中的应用

发布时间：2018-04-27 15:45

本文选题：六西格玛 + 信贷风险管理　；参考：《天津大学》2014年硕士论文

【摘要】：银行属于服务行业，对于银行业来说，服务的各个流程特别重要。尤其是信贷风险管理，必须从流程视角分析与管控风险。本文第一章首先介绍了论文的研究背景、主要研究内容和意义。第二章对六西格玛管理及其在金融业的应用进行了综述研究，第三章介绍了六西格玛在信贷风险管理中的应用，第四章论述了六西格玛对银行业的重要意义以及现在银行业运用六西格玛的误区。第五章介绍了海口农商行运用六西格玛的情况，为本文的重点章节。基于客户之声理念和建设“四化”流程银行的设想，提出了运用六西格玛的理论来建立流程银行。然后将这种防范运用到海口农商行中，，来改进它的信贷流程。通过一系列的分析，得出这种方法切实可行，并且取得了不错的成效。可以降低成本，提升顾客满意度，增加银行的利润等。第六章为结论部分。在我国银行业面临巨大的挑战之时，将六西格玛方法应用于银行的流程改造，能帮助银行缩减成本，提高客户满意度，从而留住顾客，提高自身竞争力。对于银行来说，应该将六西格玛作为一种企业文化，让每个银行成员都牢记这种文化，让我国银行业走上卓越的成功之路。
[Abstract]:Banks belong to the service industry, for the banking sector, service processes are particularly important. Especially credit risk management, we must analyze and control risk from the perspective of process. The first chapter introduces the research background, main research content and significance. The second chapter summarizes the six Sigma management and its application in the financial industry. The third chapter introduces the application of six Sigma in credit risk management. The fourth chapter discusses the significance of six Sigma to the banking industry and the misunderstanding of using six Sigma in banking. The fifth chapter introduces the application of six Sigma in Haikou Agricultural and Commercial Bank, which is the key chapter of this paper. Based on the idea of "customer voice" and the idea of constructing "four modernizations" process bank, this paper puts forward the application of six Sigma theory to establish process bank. Then this kind of precaution is applied to Haikou agribusiness to improve its credit flow. Through a series of analysis, it is found that this method is feasible and has achieved good results. Can reduce costs, improve customer satisfaction, increase bank profits and so on. Chapter six is the conclusion. At a time when China's banking industry is facing enormous challenges, applying the six Sigma method to the process transformation of banks can help banks reduce costs, improve customer satisfaction, retain customers and improve their own competitiveness. For banks, six Sigma should be regarded as a kind of corporate culture, which should be remembered by every member of the bank.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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