A行成都个贷集中经营业务流程优化研究

发布时间：2018-06-10 00:16

本文选题：个人信贷业务 + 集中经营　；参考：《电子科技大学》2014年硕士论文

【摘要】：为加快零售银行转型步伐,提升个人信贷业务市场竞争力,实现业务发展和风险控制的有机结合,决定对城市行个人信贷业务实行集中经营模式。这既是A银行IPO上市的经营转型需要,更是应对国内银行同业和外资银行竞争发展的需要。个人信贷业务集中经营是指通过设立专业化的个贷经营中心,对城市行个人信贷业务相关流程进行整合优化,对各环节的岗位职能进行重新界定和规范,形成立体营销、专业运作、流程管理、集中经营的个人信贷业务运作模式,以满足业务发展和风险控制的双重需要,并为构建纵向事业部制搭建经营管理的基础平台,以实现个人信贷业务的资产最优化和竞争最大化。而个贷中心是城市行实施个贷业务集中经营的主体,集中上收审查审批(物理地点集中)、用信审核、抵押登记、会计放款、档案管理和贷后管理业务环节,通过标准化作业、流程化管理,形成专业化、标准化、集约化的经营管理模式。目前同业均成立了个贷业务集中经营中心,集中上收审查审批、用信审核、抵押登记、会计放款、档案登记和贷后管理等业务环节,形成专业化、标准化、集约化的经营管理模式,既提高业务效率又提升风控层次极大利于业务快速发展。而A行成都市分行目前贷款流程过于分散繁琐,只有个别支行采取了相对集中模式。因此,根据分行个贷业务发展现状及实际状况,采取实行个贷集中经营模式,统一负责个人信贷业务流程再造试点、重组管理架构、深化制度梳理的推进工作,一方面通过业务归口管理使产品制度和营销策略更贴近市场,提高创新服务意识和产品适用化程度;另一方面通过分行中后台集约化经营模式强化一线营销职能,提高信贷业务审查审批运作效率,提高个贷业务风险把控能力。本文拟以A银行四川省成都市分行作为案例研究的对象,通过对集中经营前后的流程环节的对比,对流程过程中存在的问题进行分析研究,对核心业务流程进行优化,设计出一套适合成都市分行个贷中心业务发展的流程,既能提高业务效率,满足市场需要,又能有效防范业务风险,提升个贷中心核心竞争力。同时辅以实际运行情况来展示成效。
[Abstract]:In order to speed up the transformation of retail banks, enhance the competitiveness of the individual credit business market and realize the organic combination of business development and risk control, the centralized management mode is implemented for the individual credit business in the city. This is not only the need of the A bank 's IPO listing, but also the needs of the competition and development of the banking and foreign banks in the country. The centralized management of personal credit business refers to the integration and optimization of the related process of individual credit business through the establishment of a specialized personal loan business center, redefining and standardizing the post functions of each link, forming a stereoscopic marketing, professional operation, process management, and individual credit business operation mode in the set to satisfy the industry. The dual needs of business development and risk control are needed to build the basic platform for the construction of the vertical business system to achieve the optimization and maximization of the competition for the individual credit business. The individual loan center is the main body of the centralized management of the business of the urban bank, focusing on the examination and approval (the physical location), the use of letter audits, and the mortgage Registration, accounting lending, file management and post loan management business links, through standardized operation and process management, form specialized, standardized and intensive management models. The current business has set up a centralized management center for a loan business, concentrating on examination and approval, credit examination, mortgage registration, accounting lending, file registration and post loan management. In order to improve the business efficiency and improve the wind control level, the loan process of the A branch of Chengdu branch is too scattered and cumbersome, and only a few branches have adopted a relative set mode. Therefore, according to the current situation of the development of individual loan business. And the actual situation, take the implementation of a centralized management model, the unified responsibility of the individual credit business process reengineering pilot, the restructuring of the management framework, deepening the promotion of the system, on the one hand, through the management of business return management to make the product system and marketing strategies closer to the market, to improve the awareness of new services and the degree of application of products; on the other hand, The intensive management mode in the branch of the branch will strengthen the line marketing function, improve the efficiency of the examination and approval of the credit business, and improve the ability to control the risk of the individual loan business. This paper is intended to take the Chengdu branch of A bank, Sichuan Province as the case study, and through the comparison of the flow process before and after the centralized operation, the question in the process process is asked. The paper makes an analysis and research, optimizes the core business process, designs a set of procedures suitable for the development of the business development of the individual loan center of Chengdu branch, which can not only improve the business efficiency, meet the market needs, but also effectively prevent the business risk and improve the core competitiveness of the individual loan center.
【学位授予单位】：电子科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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