吉林省農(nóng)業(yè)銀行柜面業(yè)務(wù)流程再造研究
發(fā)布時間：2018-07-20 14:11
【摘要】：銀行柜面是銀行對外營業(yè)窗口，是為客戶提供各種金融產(chǎn)品和服務(wù)的基礎(chǔ)性平臺，也是銀行樹立品牌形象、提高競爭力的最基本、最主要渠道。然而近年來，隨著銀行競爭的日益激勵，如何提高柜面的創(chuàng)造價(jià)值、降低柜面成本成為各家商業(yè)銀行積極思考的問題。目前，銀行柜面存在風(fēng)險(xiǎn)大、成本高、效率低、價(jià)值創(chuàng)造不高等問題，銀行不但面臨內(nèi)外欺詐等風(fēng)險(xiǎn)，，也存在柜面創(chuàng)效低、成本高等競爭力不強(qiáng)問題，更可怕的是面臨流失人才、客戶等聲譽(yù)風(fēng)險(xiǎn)。如何有效防范和控制上述風(fēng)險(xiǎn)、有效解決各類問題，已經(jīng)成為目前國內(nèi)各家商業(yè)銀行亟待解決的問題。 柜面業(yè)務(wù)流程的重組和再造成為最有效的解決問題的手段和措施。作者利用理論研究、實(shí)踐調(diào)研和應(yīng)用相結(jié)合方式，采用了比較分析、案例分析等方法，首先對銀行柜面面臨的客觀環(huán)境、吉林省農(nóng)業(yè)銀行柜面業(yè)務(wù)流程現(xiàn)狀及存在的問題進(jìn)行了深入分析，深刻剖析了問題產(chǎn)生的原因，歸根到底是國內(nèi)商業(yè)銀行長期形成的部門銀行所導(dǎo)致的，這也是國內(nèi)各家商業(yè)銀行存在的共性問題，只有打破部門銀行為流程銀行，才能有效提高柜面效能；其次研究了吉林省農(nóng)業(yè)銀行柜面業(yè)務(wù)流程再造的目標(biāo)、思路和方案，以減輕柜面勞動量、提高操作風(fēng)險(xiǎn)管控能力、實(shí)行有效的客戶管理和產(chǎn)品管理為重點(diǎn)，提出流程再造的設(shè)計(jì)思路和方案，能夠有效解決吉林省農(nóng)業(yè)銀行柜面面臨的突出問題，促進(jìn)柜面由高成本核算型向高價(jià)值創(chuàng)造營銷型轉(zhuǎn)變；第三，研究了吉林省柜面業(yè)務(wù)流程再造項(xiàng)目的實(shí)施，深刻剖析業(yè)務(wù)流程再造項(xiàng)目的實(shí)施流程、目的和意義，對項(xiàng)目實(shí)施過程目標(biāo)及實(shí)施后產(chǎn)生的效果進(jìn)行展望和探索。以正在實(shí)施的吉林省農(nóng)業(yè)銀行運(yùn)營后臺中心建設(shè)、新一代核心銀行系統(tǒng)建設(shè)等項(xiàng)目為案例，將原來由柜面全流程辦理業(yè)務(wù)轉(zhuǎn)變到柜面受理、后臺集中處理的高效業(yè)務(wù)處理流程及將柜面以會計(jì)核算為主的信息系統(tǒng)支撐轉(zhuǎn)變到以客戶為中心、產(chǎn)品快速創(chuàng)新及完善的內(nèi)部管理計(jì)量的核心銀行系統(tǒng)支撐等，達(dá)到簡化柜面操作、防控柜面操作風(fēng)險(xiǎn)、提高柜面內(nèi)部管理和對外服務(wù)能力、提升柜面競爭優(yōu)勢的目標(biāo)；最后深入分析和研究了吉林省農(nóng)業(yè)銀行柜面業(yè)務(wù)流程再造能夠?qū)崿F(xiàn)的保障措施，任何變革的成功都離不開科技的支持、人才的保障、制度的規(guī)范，沒有團(tuán)結(jié)一致的合力保障，柜面業(yè)務(wù)流程再造將無法根本性實(shí)現(xiàn)。 吉林省農(nóng)業(yè)銀行柜面業(yè)務(wù)流程再造研究對吉林省分行加快推進(jìn)全行運(yùn)營體制改革、積極推進(jìn)營業(yè)網(wǎng)點(diǎn)轉(zhuǎn)型具有重要的現(xiàn)實(shí)意義，也對其他國內(nèi)商業(yè)銀行未來流程再造的推進(jìn)具有極強(qiáng)的借鑒意義。雖然國內(nèi)銀行流程再造已經(jīng)提出多年，但各家商業(yè)銀行也只是對部門銀行職能簡單調(diào)整、流程簡單修補(bǔ)，沒有提出一套完整的、系統(tǒng)的理論和規(guī)劃，此項(xiàng)研究對吉林省農(nóng)行柜面流程再造是個徹底的、顛覆性的創(chuàng)新改造，能夠有效解決目前吉林省農(nóng)業(yè)銀行及其他國內(nèi)商業(yè)銀行柜面亟待解決問題，能夠促進(jìn)柜面營運(yùn)安全、高效，提高柜面價(jià)值創(chuàng)造力。
[Abstract]:The bank counter is the window of the bank's external business. It is the basic platform for providing various financial products and services for the customers. It is also the basic and most important channel for the bank to set up brand image and improve its competitiveness. However, in recent years, with the increasing incentive of the bank competition, how to improve the creative value of the counter and reduce the cost of the counter has become a business. At present, the bank counter has the problems of high risk, high cost, low efficiency and low value creation. The bank not only faces the risks of internal and external fraud, but also has low cost of counter creation, low cost of higher competitiveness, and more terrible risk of losing talent and customers. How to effectively prevent and control the above Risk, effectively solve all kinds of problems, has become an urgent problem for all commercial banks in China.
The reengineering and reengineering of the counter business process have become the most effective means and measures to solve the problem. The author uses the theory research, the practice research and the application, adopts the comparative analysis, the case analysis and so on. First, the objective environment of the bank face, the current situation and the existing problems of the agricultural bank counter business process in Jilin province. In depth analysis and deep analysis of the cause of the problem, in the final analysis, is the result of the long term bank of the domestic commercial banks. This is also the common problem of the domestic commercial banks. Only by breaking the Department Bank as the process bank can the counter efficiency be improved effectively; secondly, the Agricultural Bank cabinet in Jilin province is studied. The objectives, ideas and plans of surface business process reengineering, in order to reduce the amount of work in the cabinet, improve the operational risk control ability, implement effective customer management and product management, put forward the design ideas and plans of process reengineering, which can effectively solve the outstanding problems facing the cabinet face of Jilin agricultural Bank and promote the high cost accounting type of the cabinet. To create the marketing transformation of high value; third, study the implementation of the project of Jilin counter business process reengineering, deeply analyze the implementation process, purpose and significance of BPR project, look forward and explore the effect of the project implementation process and the effect after implementation. In the operation background of the Agricultural Bank of Jilin Province. In the case of the construction of heart and the construction of a new generation of core bank system, the former is transformed from the whole process of the counter to the cabinet, the high efficiency business process and the support of the information system based on the counter accounting to the customer as the center, the rapid innovation of the product and the perfect internal management measurement. The support of the core bank system can achieve the goal of simplifying the counter operation, preventing and controlling the risk of cabinet operation, improving the internal management and external service ability of the cabinet, and improving the competitive advantage of the counter surface. Finally, it analyzes and studies the guarantee measures that can be realized in the reengineering of the business process reengineering of the Agricultural Bank of Jilin Province, which can not be separated from the success of any change. With the support of technology, the protection of talents, the regulation of the system, and the lack of a unified guarantee, the business process reengineering of the counter business will not be fundamentally realized.
The study of Jilin agricultural bank counter business process reengineering is of great practical significance for Jilin branch to accelerate the reform of the whole operation system and promote the transformation of business outlets actively. It also has great reference significance for the promotion of the future process reengineering of other domestic commercial banks. Although the reengineering of domestic banks has been put forward for many years, But the commercial banks are simply adjusting the functions of the Department Bank, the process is simple to mend, and there is no set of complete, systematic theory and planning. This research is a thorough and subversive innovation to the Jilin Agricultural Bank of Agricultural Bank, which can effectively solve the current agricultural bank and other domestic commercial banks in Jilin province. The cabinet is urgent to solve problems. It can promote the safety, efficiency and enhance the creativity of the counter.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.2
本文編號：2133797
[Abstract]:The bank counter is the window of the bank's external business. It is the basic platform for providing various financial products and services for the customers. It is also the basic and most important channel for the bank to set up brand image and improve its competitiveness. However, in recent years, with the increasing incentive of the bank competition, how to improve the creative value of the counter and reduce the cost of the counter has become a business. At present, the bank counter has the problems of high risk, high cost, low efficiency and low value creation. The bank not only faces the risks of internal and external fraud, but also has low cost of counter creation, low cost of higher competitiveness, and more terrible risk of losing talent and customers. How to effectively prevent and control the above Risk, effectively solve all kinds of problems, has become an urgent problem for all commercial banks in China.
The reengineering and reengineering of the counter business process have become the most effective means and measures to solve the problem. The author uses the theory research, the practice research and the application, adopts the comparative analysis, the case analysis and so on. First, the objective environment of the bank face, the current situation and the existing problems of the agricultural bank counter business process in Jilin province. In depth analysis and deep analysis of the cause of the problem, in the final analysis, is the result of the long term bank of the domestic commercial banks. This is also the common problem of the domestic commercial banks. Only by breaking the Department Bank as the process bank can the counter efficiency be improved effectively; secondly, the Agricultural Bank cabinet in Jilin province is studied. The objectives, ideas and plans of surface business process reengineering, in order to reduce the amount of work in the cabinet, improve the operational risk control ability, implement effective customer management and product management, put forward the design ideas and plans of process reengineering, which can effectively solve the outstanding problems facing the cabinet face of Jilin agricultural Bank and promote the high cost accounting type of the cabinet. To create the marketing transformation of high value; third, study the implementation of the project of Jilin counter business process reengineering, deeply analyze the implementation process, purpose and significance of BPR project, look forward and explore the effect of the project implementation process and the effect after implementation. In the operation background of the Agricultural Bank of Jilin Province. In the case of the construction of heart and the construction of a new generation of core bank system, the former is transformed from the whole process of the counter to the cabinet, the high efficiency business process and the support of the information system based on the counter accounting to the customer as the center, the rapid innovation of the product and the perfect internal management measurement. The support of the core bank system can achieve the goal of simplifying the counter operation, preventing and controlling the risk of cabinet operation, improving the internal management and external service ability of the cabinet, and improving the competitive advantage of the counter surface. Finally, it analyzes and studies the guarantee measures that can be realized in the reengineering of the business process reengineering of the Agricultural Bank of Jilin Province, which can not be separated from the success of any change. With the support of technology, the protection of talents, the regulation of the system, and the lack of a unified guarantee, the business process reengineering of the counter business will not be fundamentally realized.
The study of Jilin agricultural bank counter business process reengineering is of great practical significance for Jilin branch to accelerate the reform of the whole operation system and promote the transformation of business outlets actively. It also has great reference significance for the promotion of the future process reengineering of other domestic commercial banks. Although the reengineering of domestic banks has been put forward for many years, But the commercial banks are simply adjusting the functions of the Department Bank, the process is simple to mend, and there is no set of complete, systematic theory and planning. This research is a thorough and subversive innovation to the Jilin Agricultural Bank of Agricultural Bank, which can effectively solve the current agricultural bank and other domestic commercial banks in Jilin province. The cabinet is urgent to solve problems. It can promote the safety, efficiency and enhance the creativity of the counter.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.2
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