建設(shè)銀行H分行營運業(yè)務(wù)流程再造研究
發(fā)布時間：2018-11-15 19:05
【摘要】：近年來,中國金融行業(yè)正在經(jīng)歷著一場深刻的變革。中國客戶的金融行為與意識發(fā)生深刻變化,互聯(lián)網(wǎng)和電話等電子渠道逐漸成為“數(shù)字一代”獲得金融服務(wù)的方式,客戶越來越期望得到定制化產(chǎn)品和服務(wù);監(jiān)管政策取向加快金融市場化進程,推動要素的市場化定價,鼓勵金融主體的市場化進入與退出;金融市場主體日趨多元化,競爭加劇,伴隨互聯(lián)網(wǎng)金融熱度不減,越來越多的非傳統(tǒng)金融機構(gòu)加入競爭,綜合金融已初步成勢,各銀行已在金融綜合化經(jīng)營上邁出堅實步伐;同時,技術(shù)的進步為金融行業(yè)提供了前所未有的工具和可能性。宏觀環(huán)境的變化正在挑戰(zhàn)關(guān)于銀行“運營”的傳統(tǒng)理念。作為四大國有商業(yè)銀行之一的建設(shè)銀行,在外在因素及內(nèi)生動力的雙重驅(qū)動下,以自身營運體制改革為切入點,積極探索未來銀行轉(zhuǎn)型發(fā)展之路。本文以建設(shè)銀行H分行持續(xù)推進的營運業(yè)務(wù)流程再造項目為研究對象,以傳統(tǒng)銀行業(yè)務(wù)流程再造理論為基石,在深入了解分析國內(nèi)外商業(yè)銀行營運業(yè)務(wù)的發(fā)展情況的基礎(chǔ)上,闡述最先進的銀行業(yè)營運流程再造理論框架及實際應(yīng)用,并給出了適合國內(nèi)商業(yè)銀行營運業(yè)務(wù)流程再造的改革之道,具有較強的實踐借鑒意義。文中通過運用SWOT分析工具對建行H分行經(jīng)營環(huán)境及項目推動背景進行分析,指出建行H分行在營運作業(yè)流程中存在的主要問題,提出了進行營運業(yè)務(wù)流程再造的必然性及可行性。同時本文詳細介紹建行H分行營運作業(yè)流程再造過程中涉及的柜面核算業(yè)務(wù)模塊、集中金庫管理模塊、批處理業(yè)務(wù)模塊以及稽核與柜面監(jiān)測業(yè)務(wù)模塊等四大營運業(yè)務(wù)的流程再造模式。本文全流程的展現(xiàn)了建設(shè)銀行H分行持續(xù)深入推進的營運業(yè)務(wù)流程再造項目的方案特點、功能實現(xiàn)及項目效果評價,并指出了實際運行過程中存在的涉及管理層面、操作層面的問題,便于在今后的工作中不斷改進和完善。
[Abstract]:In recent years, China's financial industry is undergoing a profound change. The financial behavior and consciousness of Chinese customers have undergone profound changes. Electronic channels such as the Internet and telephone have gradually become the "digital generation" to obtain financial services, and customers increasingly expect to get customized products and services. The orientation of supervision policy is to speed up the process of financial marketization, to promote the market-oriented pricing of elements, and to encourage the entry and withdrawal of financial subjects. The main body of the financial market is becoming more and more diversified and the competition is becoming more and more serious. With the unabated popularity of the Internet finance, more and more non-traditional financial institutions have joined the competition, the comprehensive finance has taken the initial trend, and the banks have taken solid steps on the comprehensive management of the finance. At the same time, technological advances provide unprecedented tools and possibilities for the financial industry. The change of macro-environment is challenging the traditional concept of "operation" of banks. As one of the four state-owned commercial banks, China Construction Bank (CCB), driven by external factors and endogenous power, takes the reform of its own operating system as the starting point to actively explore the way of the transformation and development of banks in the future. This paper takes the project of Business process Reengineering (BPR), which is continuously promoted by China Construction Bank H Branch, as the research object, takes the traditional theory of BPR as the foundation stone, and analyzes the development of commercial bank's operation business at home and abroad. This paper expounds the theoretical framework and practical application of the most advanced operational process reengineering of the banking industry, and puts forward the reform methods suitable for the business process reengineering of the domestic commercial banks, which is of great practical significance. This paper analyzes the operating environment and project promotion background of CCB H branch by using SWOT analysis tool, and points out the main problems existing in the operation process of CCB H branch. The necessity and feasibility of business process reengineering are put forward. At the same time, this paper introduces in detail the cabinet accounting business module, the centralized treasury management module, which are involved in the operation process reengineering process of the H branch of CCB. Batch business module and audit and counter monitoring business module four major business process reengineering mode. The whole process of this paper shows the scheme characteristics, function realization and project effect evaluation of the business process reengineering project, which is continuously and deeply promoted by H Branch of China Construction Bank, and points out that the management level is involved in the actual operation process. Operational aspects of the problem, easy to improve and improve in the future work.
【學位授予單位】：哈爾濱工業(yè)大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F832.2
[Abstract]:In recent years, China's financial industry is undergoing a profound change. The financial behavior and consciousness of Chinese customers have undergone profound changes. Electronic channels such as the Internet and telephone have gradually become the "digital generation" to obtain financial services, and customers increasingly expect to get customized products and services. The orientation of supervision policy is to speed up the process of financial marketization, to promote the market-oriented pricing of elements, and to encourage the entry and withdrawal of financial subjects. The main body of the financial market is becoming more and more diversified and the competition is becoming more and more serious. With the unabated popularity of the Internet finance, more and more non-traditional financial institutions have joined the competition, the comprehensive finance has taken the initial trend, and the banks have taken solid steps on the comprehensive management of the finance. At the same time, technological advances provide unprecedented tools and possibilities for the financial industry. The change of macro-environment is challenging the traditional concept of "operation" of banks. As one of the four state-owned commercial banks, China Construction Bank (CCB), driven by external factors and endogenous power, takes the reform of its own operating system as the starting point to actively explore the way of the transformation and development of banks in the future. This paper takes the project of Business process Reengineering (BPR), which is continuously promoted by China Construction Bank H Branch, as the research object, takes the traditional theory of BPR as the foundation stone, and analyzes the development of commercial bank's operation business at home and abroad. This paper expounds the theoretical framework and practical application of the most advanced operational process reengineering of the banking industry, and puts forward the reform methods suitable for the business process reengineering of the domestic commercial banks, which is of great practical significance. This paper analyzes the operating environment and project promotion background of CCB H branch by using SWOT analysis tool, and points out the main problems existing in the operation process of CCB H branch. The necessity and feasibility of business process reengineering are put forward. At the same time, this paper introduces in detail the cabinet accounting business module, the centralized treasury management module, which are involved in the operation process reengineering process of the H branch of CCB. Batch business module and audit and counter monitoring business module four major business process reengineering mode. The whole process of this paper shows the scheme characteristics, function realization and project effect evaluation of the business process reengineering project, which is continuously and deeply promoted by H Branch of China Construction Bank, and points out that the management level is involved in the actual operation process. Operational aspects of the problem, easy to improve and improve in the future work.
【學位授予單位】：哈爾濱工業(yè)大學
【學位級別】：碩士
【學位授予年份】：2015
【分類號】：F832.2
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