中国银行甘肃分行个人贷款业务流程再造研究

发布时间：2018-07-02 11:21

本文选题：业务流程再造 + 个人贷款　；参考：《兰州大学》2014年硕士论文

【摘要】：面对日趋复杂的经济环境,我国银行业日益认识到业务流程再造对提高银行核心竞争力的重要作用,各商业银行将业务流程再造提升到战略层面,纷纷开始以客户为核心理念,以产品为载体,以科技为支撑的业务流程再造。中国银行甘肃省分行在实施个人贷款业务流程再造的过程中,受到管理能力、技术能力、人员意识等诸多种因素影响,业务流程再造效果并不显著。本文以中国银行甘肃省分行业务流程再造为研究对象,分三部分进行研究分析。第一部分是基于业务流程再造理论和中行贷款业务流程的基本概念,运用比较分析方法,从资源投入、流程设置、组织管理方面对中行贷款业务流程状况进行分析,发现甘肃中行个人贷款业务流程中存在的问题。第二部分是运用业务流程再造理论、金融创新理论,以提高效率,增强市场竞争力为目的,对个人贷款业务流程进行业务流程整合方案设计,建立个人贷款业务流程模型和六西格玛流程标准并确定业务流程实施和评估的方法,实现贷款业务流程的规范化和标准化,提高业务流程的产出效率。第三部分结合问题分析和设计的业务流程再造方案,提出中国银行甘肃省分行业务流程再造实施的具体策略。本文旨在通过以上研究,分析和解决中国银行的个人贷款业务流程存在的问题,利用科学的管理方法指导和调整现有业务流程进行重新组合,增强中国银行业务流程的竞争力。
[Abstract]:In the face of the increasingly complex economic environment, the banking industry of our country is increasingly aware of the important role of business process reengineering (BPR) in improving the core competitiveness of banks. Each commercial bank promotes BPR to the strategic level and begins to take the customer as the core concept one after another. Take the product as the carrier, take the science and technology as the support business process reengineering. During the process of implementing personal loan business process reengineering, Bank of China Gansu Branch is influenced by many factors, such as management ability, technical ability, personnel consciousness and so on, so the effect of business process reengineering is not remarkable. In this paper, the Bank of China Gansu Branch Business process Reengineering as the research object, divided into three parts of research and analysis. The first part is based on the theory of BPR and the basic concept of BOC loan business process, using comparative analysis method, from the aspects of resource input, process setting, organization management to analyze the BOC loan business process status. Found in the Bank of Gansu personal loan business process problems. The second part is the application of business process reengineering theory, financial innovation theory, in order to improve efficiency, enhance market competitiveness for the purpose of personal loan business processes business process integration project design. The establishment of personal loan business process model and six Sigma process standards and the establishment of business process implementation and evaluation methods to achieve the standardization and standardization of the loan business process and improve the productivity of the business process. In the third part, combined with the problem analysis and the design of business process reengineering scheme, the paper puts forward the concrete strategy of the implementation of business process reengineering of Bank of China Gansu Branch. The purpose of this paper is to analyze and solve the problems existing in the personal loan business process of Bank of China through the above research, to use scientific management methods to guide and adjust the existing business process to recombine, and to enhance the competitiveness of the business process of the Bank of China.
【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】：F832.2;F832.4

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