【摘要】：現(xiàn)代社會已經(jīng)實現(xiàn)了由工業(yè)時代向信息時代的轉(zhuǎn)型,受傳統(tǒng)理論束縛的銀行經(jīng)營管理理念必須要有所改變。銀行與客戶關(guān)系已發(fā)展到以客戶為中心,原有的業(yè)務(wù)流程己經(jīng)不適應(yīng)新的競爭需要,銀行業(yè)需要改進它過去以自己為中心的業(yè)務(wù)流程,將所有的產(chǎn)品和服務(wù)都調(diào)整到以客戶的價值為核心。銀行流程再造是商業(yè)銀行面對這種日益變化的經(jīng)營環(huán)境所做出的一種積極應(yīng)對的變革措施,其實質(zhì)是銀行經(jīng)營模式的一種轉(zhuǎn)換,它是銀行獲取持續(xù)競爭優(yōu)勢的一種重要手段。銀行流程再造對于我國銀行業(yè)改革的深化和銀行經(jīng)營管理水平的提高具有很強的現(xiàn)實意義。 業(yè)務(wù)集中處理是銀行業(yè)務(wù)流程再造的趨勢,它是銀行依托先進的計算機技術(shù),為了更好地服務(wù)客戶、防范風險、提高效率和集約經(jīng)營而實施的全新業(yè)務(wù)處理模式,其本質(zhì)是對銀行業(yè)務(wù)流程進行改革,屬于銀行流程再造極其重要的環(huán)節(jié)。 本文主要研究業(yè)務(wù)集中處理在中國工商銀行江蘇省分行的應(yīng)用,在集中運營模式下,通過省分行業(yè)務(wù)集中處理中心這個大后臺的標準化作業(yè),可以達到有效地降低經(jīng)營成本、管控風險、提高服務(wù)質(zhì)量的目的。 首先,從分析當前江蘇省工行的業(yè)務(wù)流程現(xiàn)狀和弊端入手,闡述了江蘇省工行實施業(yè)務(wù)集中處理的必要性。從形成規(guī)模效益、借助系統(tǒng)優(yōu)勢和參考城市行業(yè)務(wù)處理中心的建設(shè)經(jīng)驗等方面進行分析,并借鑒業(yè)務(wù)集中處理在國內(nèi)外銀行成功實施的經(jīng)驗,論證了江蘇省工行實施業(yè)務(wù)集中處理可行性。 其次,對江蘇省工行如何實施業(yè)務(wù)集中處理進行了探索。規(guī)劃構(gòu)建了業(yè)務(wù)集中處理體系的架構(gòu),并對中心的運營及管理方面提出了具體的實施方案。 再次,對實施業(yè)務(wù)集中處理以后可以產(chǎn)生的效益進行闡述,對仍然存在的問題進行分析,并總結(jié)出解決這些問題的對策,指出了下一步工作的重點所在。 本文的創(chuàng)新之處：現(xiàn)有的關(guān)于商業(yè)銀行業(yè)務(wù)流程再造的研究有很多,然而這些研究多集中于理論研究,沒有結(jié)合實際狀況。本文從江蘇省工行當前的業(yè)務(wù)流程狀況出發(fā),結(jié)合自身所積累的工作經(jīng)驗,對江蘇省工行構(gòu)建省分行層面的業(yè)務(wù)集中處理中心,優(yōu)化業(yè)務(wù)流程進行了詳細的討論和分析,勾勒出業(yè)務(wù)集中處理中心的總體架構(gòu),并對業(yè)務(wù)集中處理體系的運營管理進行了一定程度的探討。希望能對工商銀行全面建立集中、安全、高效的運行機制,持續(xù)提高效率、優(yōu)化資源配置、提升服務(wù)能力起到一定的推動作用。
[Abstract]:The modern society has realized the transition from the industrial age to the information age. The relationship between banks and customers has developed to be customer-centric, and the original business processes have been unable to meet the new competitive needs. The banking industry needs to improve its business processes which used to be self-centered. Reorient all products and services to the core of customer value. Bank process reengineering is an active measure to deal with the changing business environment. Its essence is a kind of transformation of bank management mode, and it is an important means for banks to obtain sustainable competitive advantage. Bank process reengineering is of great practical significance to the deepening of banking reform and the improvement of bank management. Business centralized processing is the trend of bank business process reengineering. It is a new business processing mode implemented by banks relying on advanced computer technology, in order to better serve customers, guard against risks, improve efficiency and intensive management. Its essence is to carry on the reform to the bank business process, belongs to the bank process reengineering extremely important link. This paper mainly studies the application of centralized business processing in Industrial and Commercial Bank of China Jiangsu Branch. Under the centralized operation mode, through the standardization operation of the provincial branch business centralized processing center, we can effectively reduce the operating cost. Manage risks and improve service quality. First of all, the necessity of implementing centralized operation of ICBC in Jiangsu Province is expounded by analyzing the present situation and malpractice of ICBC's business process in Jiangsu Province. From the aspects of forming economies of scale, making use of the system advantages and referring to the experience of the construction of the city bank business processing center, and drawing lessons from the experience of the successful implementation of the centralized business processing in the domestic and foreign banks, The feasibility of implementing centralized operation of ICBC in Jiangsu Province is demonstrated. Secondly, it explores how ICBC to implement centralized business processing. The architecture of the centralized business processing system is constructed, and the concrete implementation scheme is put forward for the operation and management of the center. Thirdly, the paper expounds the benefits that can be produced after the implementation of centralized operation, analyzes the problems that still exist, sums up the countermeasures to solve these problems, and points out the key points of the next work. The innovation of this paper: there are a lot of researches on business process reengineering of commercial banks. However, these researches are mostly focused on the theoretical research and do not combine with the actual situation. Starting from the current business process situation of ICBC in Jiangsu Province and combining its accumulated work experience, this paper discusses and analyzes in detail the construction of a centralized business processing center at the provincial branch level and the optimization of business processes by ICBC in Jiangsu Province. This paper outlines the overall structure of the business centralized processing center, and discusses the operation and management of the business centralized processing system to a certain extent. It is hoped that ICBC can establish centralized, safe and efficient operation mechanism, continuously improve efficiency, optimize resource allocation, and enhance service capacity to a certain extent.
【學(xué)位授予單位】：南京大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.33

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