本文關(guān)鍵詞：中國(guó)農(nóng)業(yè)銀行運(yùn)營(yíng)管理體系研究　出處：《中央民族大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

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【摘要】：近年來(lái),隨著信息技術(shù)的迅猛發(fā)展和廣泛應(yīng)用,國(guó)際銀行業(yè)紛紛重新構(gòu)造業(yè)務(wù)流程和組織方式,創(chuàng)新風(fēng)險(xiǎn)控制模式、整合信息科技系統(tǒng),對(duì)運(yùn)營(yíng)管理進(jìn)行根本性再造,尋求最佳運(yùn)營(yíng)解決方案。中國(guó)農(nóng)業(yè)銀行作為我國(guó)大型國(guó)有控股商業(yè)銀行之一,其發(fā)展愿景是打造國(guó)際一流的現(xiàn)代化商業(yè)銀行。近些年,該行一直沿襲“網(wǎng)點(diǎn)全功能,柜員全流程”的作業(yè)模式。這種模式的弊端是服務(wù)效率低下,作業(yè)成本高企,風(fēng)險(xiǎn)高度擴(kuò)散。隨著業(yè)務(wù)量增加、客戶對(duì)銀行服務(wù)效率的要求以及操作風(fēng)險(xiǎn)管理的要求越來(lái)越高,這種模式越來(lái)越難以為繼。主要表現(xiàn)為：一是運(yùn)營(yíng)體系還不能適應(yīng)農(nóng)業(yè)銀行未來(lái)躋身于國(guó)際一流商業(yè)銀行的戰(zhàn)略目標(biāo)；二是運(yùn)營(yíng)模式無(wú)法滿足客戶便捷、高效、安全的需求；三是運(yùn)營(yíng)能力難以滿足日益豐富的金融產(chǎn)品和迅速增長(zhǎng)的交易量的作業(yè)要求；四是運(yùn)營(yíng)作業(yè)還不能有效釋放營(yíng)業(yè)網(wǎng)點(diǎn)的價(jià)值；五是運(yùn)營(yíng)操作風(fēng)險(xiǎn)控制薄弱環(huán)節(jié)和隱患仍然很多。本文要研究的內(nèi)容,就是如何打造快捷高效的現(xiàn)代商業(yè)銀行運(yùn)營(yíng)體系,提高組織管理水平,提升運(yùn)營(yíng)能力,推進(jìn)業(yè)務(wù)發(fā)展,最終提升企業(yè)的核心競(jìng)爭(zhēng)力。 本文作者在我國(guó)一家大型國(guó)有商業(yè)銀行從事運(yùn)營(yíng)管理工作多年,具有豐富的商業(yè)銀行運(yùn)營(yíng)管理工作經(jīng)驗(yàn)。在本文中,作者通過研究參考運(yùn)營(yíng)管理、商業(yè)銀行經(jīng)營(yíng)管理等相關(guān)文獻(xiàn),并赴國(guó)內(nèi)多家商業(yè)銀行進(jìn)行實(shí)地調(diào)研,拜訪商業(yè)銀行運(yùn)營(yíng)管理領(lǐng)域的多位專家。研究中作者運(yùn)用了多種研究方法,分析國(guó)內(nèi)外多家商業(yè)銀行運(yùn)營(yíng)管理工作的體系和機(jī)制,最終根據(jù)現(xiàn)代商業(yè)銀行集中運(yùn)營(yíng)的發(fā)展趨勢(shì),結(jié)合中國(guó)農(nóng)業(yè)銀行運(yùn)營(yíng)管理體系的現(xiàn)狀與不足,提出了農(nóng)業(yè)銀行建設(shè)現(xiàn)代運(yùn)營(yíng)管理體系的詳細(xì)設(shè)計(jì)。 本文在前人研究和總結(jié)的基礎(chǔ)上,重點(diǎn)圍繞如何建立前中后臺(tái)分離的集中運(yùn)營(yíng)管理體系展開研究。通過系統(tǒng)的理論梳理、詳細(xì)的實(shí)證分析、嚴(yán)密的科學(xué)論證等手段,提出農(nóng)業(yè)銀行現(xiàn)代運(yùn)營(yíng)管理體系建設(shè)的設(shè)計(jì)方案,為我國(guó)商業(yè)銀行現(xiàn)代運(yùn)營(yíng)管理體系建設(shè)提供理論支持。通過本文的研究,最后得出了我國(guó)商業(yè)銀行在建設(shè)現(xiàn)代運(yùn)營(yíng)管理體系的基本框架和后臺(tái)中心建設(shè)的具體方法,并能在各商業(yè)銀行打造現(xiàn)代運(yùn)營(yíng)管理體系的實(shí)踐過程中起到啟發(fā)和指導(dǎo)作用。
[Abstract]:In recent years, with the rapid development and wide application of information technology, the international banking industry has reconstructed business process and organization mode, innovated risk control mode, integrated information technology system. The agricultural bank of China is one of the large state-owned holding commercial banks in China. Its development vision is to create a world-class modern commercial bank. In recent years, the bank has been following the "network full function, the whole process of teller" operation mode. The drawbacks of this model is low service efficiency. With the increase of business volume, customers' requirements for the efficiency of banking services and operational risk management requirements are becoming higher and higher. This model is becoming more and more difficult to continue. The main manifestations are as follows: first, the operation system can not adapt to the future of the Agricultural Bank of China into the international first-class commercial bank strategic objectives; Second, the operation mode can not meet the needs of customers' convenience, efficiency and security; Third, it is difficult to meet the operational requirements of the increasingly abundant financial products and the rapidly increasing trading volume. Fourth, the operation can not effectively release the value of business outlets; Fifth, there are still a lot of weak links and hidden dangers in operational risk control. The content of this paper is how to build a fast and efficient modern commercial bank operation system, improve the level of organization and management, and enhance operational capability. Promote business development, and ultimately enhance the core competitiveness of enterprises. In this paper, the author engaged in operation management of a large state-owned commercial bank in China for many years, and has rich experience in the operation and management of commercial banks. In this paper, the author refers to the operation management through research. Commercial bank management and other related documents, and went to a number of domestic commercial banks to carry out field research, visiting a number of experts in the field of commercial bank operations and management. The author used a variety of research methods. This paper analyzes the operation and management system and mechanism of many commercial banks at home and abroad, and finally, according to the development trend of centralized operation of modern commercial banks, combined with the current situation and shortcomings of the operation management system of Agricultural Bank of China. The detailed design of modern operation management system of Agricultural Bank is put forward. On the basis of the previous research and summary, this paper focuses on how to establish the centralized operation management system which is separated from the front and the background. Through the theoretical analysis of the system, a detailed empirical analysis. Strict scientific proof means, put forward the agricultural bank modern operation management system construction design plan, for our country commercial bank modern operation management system construction provides the theory support. Through this article research. Finally, the basic framework of the construction of the modern operation management system and the concrete method of the construction of the backstage center of the commercial banks in our country are obtained. It can enlighten and guide the commercial banks in the process of creating modern operation management system.
【學(xué)位授予單位】：中央民族大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.33

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