本文選題：銀行 + 代付�。� 參考：《哈爾濱理工大學(xué)》2012年碩士論文

【摘要】：銀行是通過(guò)存款、貸款、匯兌、儲(chǔ)蓄等業(yè)務(wù)，承擔(dān)信用中介的金融機(jī)構(gòu)。目前上海浦東發(fā)展銀行哈爾濱分行的經(jīng)營(yíng)模式，基本上還是沿用國(guó)有商業(yè)銀行的傳統(tǒng)作法，將追求規(guī)模擴(kuò)張、以存貸差取得高息收入，作為銀行獲取凈利潤(rùn)最重要的業(yè)務(wù)。由于現(xiàn)在社會(huì)上各家銀行的服務(wù)同質(zhì)化嚴(yán)重，，缺乏差異化的優(yōu)質(zhì)品牌（中間產(chǎn)品或衍生產(chǎn)品），大家只能在一個(gè)有限的領(lǐng)域里進(jìn)行激烈地競(jìng)爭(zhēng)，其結(jié)果是風(fēng)險(xiǎn)增加，效益減退，極大地削弱了浦發(fā)銀行哈爾濱分行與其他國(guó)內(nèi)外同業(yè)金融機(jī)構(gòu)進(jìn)行競(jìng)爭(zhēng)的能力。所以認(rèn)真研究我分行如何進(jìn)一步擴(kuò)大中間業(yè)務(wù)，尤其是開(kāi)展既不占用銀行的自有資金和外債份額，又可以獲取穩(wěn)定中間收益，還能夠滿(mǎn)足客戶(hù)短期融資需求的代付業(yè)務(wù)，就成為今后浦發(fā)銀行哈爾濱分行在經(jīng)營(yíng)和創(chuàng)新領(lǐng)域，急待解決的現(xiàn)實(shí)問(wèn)題。 本文用宏觀(guān)經(jīng)濟(jì)、國(guó)際投融資的相關(guān)理論，對(duì)開(kāi)展代付業(yè)務(wù)的重要意義和存在的風(fēng)險(xiǎn)，及其我分行開(kāi)展此項(xiàng)業(yè)務(wù)的必要性與可行性，進(jìn)行了全面分析，認(rèn)為我行完全具備了近期開(kāi)展代付業(yè)務(wù)的各項(xiàng)條件。本人為了規(guī)范代付業(yè)務(wù)的工作程序，防范代付業(yè)務(wù)風(fēng)險(xiǎn)，強(qiáng)化銀行內(nèi)部控制體系建設(shè)，探索性地進(jìn)行了浦發(fā)銀行哈爾濱分行開(kāi)展代付業(yè)務(wù)流程方案的設(shè)計(jì)研究工作；解析了代付業(yè)務(wù)實(shí)質(zhì)、業(yè)務(wù)部門(mén)及流程概要、業(yè)務(wù)銜接與把控等代付業(yè)務(wù)的重要內(nèi)容；并在此基礎(chǔ)上，提出了保障措施和對(duì)策。希望以此能為關(guān)注這個(gè)課題的理論界和務(wù)實(shí)界的同行起到拋磚引玉的作用。
[Abstract]:Banks are financial institutions that undertake credit intermediation through deposits, loans, exchange, savings, etc. At present, the management mode of Harbin branch of Shanghai Pudong Development Bank is basically the traditional practice of state-owned commercial bank. It will pursue scale expansion and obtain high interest income from deposit and loan difference, which is the most important business for banks to obtain net profit. Because of the serious homogenization of the services of the banks in our society and the lack of differentiated quality brands (intermediate products or derivatives), people can only compete intensely in a limited field. As a result, the risks increase and the benefits decrease. It has greatly weakened the ability of Harbin Branch of Pudong Development Bank to compete with other domestic and foreign financial institutions. Therefore, we should seriously study how our branch can further expand its intermediary business, especially to carry out a business that does not take up the bank's share of its own capital and foreign debt, can obtain stable intermediate income, and can also meet the short-term financing needs of its customers. In the future, Pudong Development Bank Harbin Branch in the field of management and innovation, the urgent need to solve the practical problems. Based on the theory of macroeconomics and international investment and financing, this paper makes a comprehensive analysis of the significance and risk of developing the agent payment business, as well as the necessity and feasibility of carrying out this business in our branch. We think that the bank has fully met the requirements for the recent development of the agent business. In order to standardize the working procedure of the agency business, guard against the risks of the agency business and strengthen the construction of the internal control system of the bank, I have carried out the design and research work of the Harbin branch of the Pudong Development Bank to carry out the design of the business process scheme of the acting payment. This paper analyzes the essence, business department and process outline of the agent payment business, and puts forward the safeguard measures and countermeasures on the basis of the analysis of the important contents of the agent payment business, such as business connection and handle control. Hope that this can be concerned about the subject of theoretical and pragmatic colleagues to play a role.
【學(xué)位授予單位】：哈爾濱理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F832.2

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