甘肃银行信贷业务流程再造研究

发布时间：2018-06-28 22:25

本文选题：城市商业银行 + 信贷业务　；参考：《兰州大学》2014年硕士论文

【摘要】：当今,国内国际金融市场竞争充分、环境多变。国内金融市场在我国加入WTO后保护期的结束,国内金融市场的竞争格局发生了重大变化,国有四大行垄断国内金融市场的局面一去无返,境外银行、国内股份制银行、城市商业银行如雨后春笋悄然遍布。城市商业银行要想在激烈的市场竞争中求得立足生存之地,强化自身竞争力成为核心命题。本文从银行业最为核心的信贷业务为着眼点,对信贷业务目前现状进行分层次剖析,借鉴国内外先进管理理念及模式,根据业务流程再造(Business Process Reengineer,BPR)的理论,提出城市商业银行信贷业务流程再造的观点,同时设计构想相应的变革措施。同时本论文以甘肃本土新兴成立的城市商业银行一甘肃银行为研究蓝本,从信贷业务的流程再造方面展开探讨,在对甘肃银行信贷业务流程中存在问题进行剖析,同时对比国有商业银行信贷业务申报审批流程特别是流程优化方面,提出本行信贷业务流程再造方面设想以及与之配套的改革措施,设计提出优化的授信评审体系和业务审批流程,从组织体系建立、业务流程梳理、授权管理、信息数据库建设等方面形成完整的流程再造方案,并提出有效的实施途径与进程跟进,使得优化流程得以接地并可操作。本文旨在能够为甘肃银行在发展初期就积极主动的探索更有竞争力的操作模式,以BRP理论为基础,提出落地性较强的信贷流程再造思路及具体措施,以期实现信贷业务流程再造,有效简化路径,优化实施方案,提高效率,通过流程再造为甘肃银行抓住先机、抢占市场提供有效支持,从而提升甘肃银行核心竞争力。
[Abstract]:Nowadays, the domestic and international financial market is full of competition and changeable environment. With the end of the protection period of the domestic financial market after China's accession to the WTO, the competitive pattern of the domestic financial market has undergone major changes. The situation of the four state-owned banks monopolizing the domestic financial market has gone without return. Foreign banks, domestic joint-stock banks, Urban commercial banks are springing up quietly. City commercial banks want to get a foothold in the fierce market competition, strengthen their own competitiveness become the core proposition. From the point of view of the credit business which is the core of the banking industry, this paper analyzes the present situation of the credit business in different levels, draws lessons from the advanced management concepts and models at home and abroad, and according to the theory of Business process Reengineering (BPR). This paper puts forward the viewpoint of credit business process reengineering of city commercial bank, and designs corresponding reform measures at the same time. At the same time, this paper takes Gansu Bank, a newly established city commercial bank in Gansu Province, as the research blueprint, discusses the process reengineering of credit business, and analyzes the existing problems in the credit business process of Gansu Bank. At the same time, comparing with the approval process of the credit application of state-owned commercial banks, especially in the aspect of process optimization, this paper puts forward the assumption of the reengineering of the credit business process of the bank and the corresponding reform measures. Design and put forward the optimized credit evaluation system and business approval process, form a complete process reengineering plan from the aspects of organizational system establishment, business process combing, authorization management, information database construction, etc. The effective implementation approach and process follow up are put forward, so that the optimized process can be grounded and can be operated. The purpose of this paper is to explore a more competitive mode of operation for Gansu Bank in the early stage of its development. Based on the theory of BRP, this paper puts forward the idea and concrete measures of credit process reengineering with strong landing ability. In order to achieve credit business process reengineering, effectively simplify the path, optimize the implementation plan, improve efficiency, through process reengineering for Gansu bank to seize the opportunity to seize the market to provide effective support, thereby enhancing the core competitiveness of Gansu bank.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

【参考文献】