【摘要】：產(chǎn)品分工的產(chǎn)生，導(dǎo)致全球經(jīng)濟競爭的模式，由過去企業(yè)與企業(yè)之間的競爭轉(zhuǎn)變?yōu)椴煌a(chǎn)工序及其服務(wù)體系構(gòu)成的供應(yīng)鏈之間的競爭。供應(yīng)鏈融資一份研究報告給出了最受企業(yè)歡迎的幾種融資方式中，供應(yīng)鏈融資、存貨融資以及應(yīng)收賬款融資分別排在第二、第四和第五名。2007年10月1日《物權(quán)法》開始實施，，擴大了可用于擔保的財產(chǎn)范圍。應(yīng)收賬款被納入可抵押資產(chǎn)之后，促進學(xué)術(shù)界對應(yīng)收賬款質(zhì)押進行了更深入的分析,也進一步促進了應(yīng)收賬款質(zhì)押在融資領(lǐng)域的發(fā)展運用。 本文首先介紹了論文研究的背景和意義，簡述了應(yīng)收賬款質(zhì)押及業(yè)務(wù)流程優(yōu)化的相關(guān)理論和文獻研究。然后簡要介紹Y銀行的基本情況，分析Y銀行應(yīng)收帳款質(zhì)押業(yè)務(wù)的流程現(xiàn)狀。接著利用價值鏈分析法找出應(yīng)收賬款質(zhì)押業(yè)務(wù)關(guān)鍵流程，對關(guān)鍵流程利用流程描述法和5W1H提問法進行流程診斷分析，對導(dǎo)致流程效率低、時間長的其他問題利用魚骨分析法找出根本原因。在流程診斷的基礎(chǔ)上從外部小企業(yè)融資難和內(nèi)部銀行發(fā)展需求兩方面肯定流程優(yōu)化的必要性。最后根據(jù)流程再造的原則和方法對關(guān)鍵流程進行優(yōu)化，并根據(jù)實際操作實現(xiàn)的可能分別提出了優(yōu)化方案一和方案二。對導(dǎo)致流程慢的其他幾個問題，如組織結(jié)構(gòu)、人員素質(zhì)、系統(tǒng)等也提出了相應(yīng)的解決辦法。 全文以提出問題，分析問題，解決問題的思路進行流程優(yōu)化分析。由于篇幅限制，論文主要對關(guān)鍵流程環(huán)節(jié)進行了詳細的優(yōu)化研究，這為業(yè)務(wù)流程優(yōu)化建立了一個較為完整的分析體系，對其他部分的流程優(yōu)化或其他信貸業(yè)務(wù)流程優(yōu)化具有重要的參考和借鑒意義。
[Abstract]:The production of product division of labor leads to the model of global economic competition, from the competition between enterprises in the past to the competition between supply chains composed of different production processes and their service systems. A research report on supply chain financing shows that among the most popular financing methods, supply chain financing, inventory financing and accounts receivable financing are ranked second, fourth and fifth respectively. The scope of property available for security has been expanded. After the accounts receivable is incorporated into the mortgaged assets, it promotes the academic circles to make a deeper analysis on the pledge of the accounts receivable, and further promotes the development and application of the pledge of the accounts receivable in the field of financing. Firstly, this paper introduces the background and significance of the research, briefly introduces the theory and literature of receivables pledge and business process optimization. Then it briefly introduces the basic situation of Y Bank and analyzes the process of Y Bank Receivable pledge business. Then using value chain analysis to find out the key process of accounts receivable pledge business, using process description method and 5W1H questioning method to diagnose and analyze the key process, which leads to the low efficiency of the process. Other long-term problems use fish bone analysis to find out the root cause. On the basis of process diagnosis, the necessity of process optimization is confirmed from two aspects: financing difficulty of external small enterprises and development needs of internal banks. Finally, the key processes are optimized according to the principles and methods of process reengineering, and the optimization schemes one and two are put forward according to the possibility of practical operation. Some other problems, such as organizational structure, personnel quality, system and so on, are also solved. This paper analyzes the process optimization with the idea of problem raising, problem analysis and problem solving. Due to space constraints, the paper mainly studies the key process optimization, which establishes a relatively complete analysis system for business process optimization. For other parts of the process optimization or other credit business process optimization has an important reference and reference significance.
【學(xué)位授予單位】：華南理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F830.42

【參考文獻】

相關(guān)期刊論文 前10條

1 李光貴;;應(yīng)收賬款質(zhì)押融資能否破解中小企業(yè)融資難題[J];財務(wù)與會計;2008年12期

2 沈燕;;企業(yè)應(yīng)收賬款質(zhì)押融資的現(xiàn)狀與對策[J];財政監(jiān)督;2007年06期

3 沈良輝;沈凱蓉;;應(yīng)收賬款質(zhì)押融資業(yè)務(wù)情況調(diào)查[J];福建金融;2009年05期

4 王東;黃勤;任瑩;;應(yīng)收賬款質(zhì)押融資業(yè)務(wù)風險及其控制措施探析[J];區(qū)域金融研究;2009年07期

5 李建中,陳良猷,暢志周;用IT表達的過程再造途徑及其應(yīng)用案例[J];工業(yè)工程與管理;1999年04期

6 黃秀俠;易樹平;熊世權(quán);王馨艷;李澤鋒;;基于六西格瑪項目選擇原理的BPR核心流程確定方法[J];工業(yè)工程與管理;2006年01期

7 王馨迪;蘭曉亭;于天水;;業(yè)務(wù)流程優(yōu)化的實施方法研究[J];河北工業(yè)科技;2006年02期

8 胡耀光,王田苗,喬立紅;基于企業(yè)價值鏈分析的業(yè)務(wù)流程再造方法[J];航空制造技術(shù);2003年08期

9 王海濤;;我國應(yīng)收賬款質(zhì)押融資業(yè)務(wù)發(fā)展研究[J];海南金融;2011年11期

10 郭濤;中小企業(yè)融資的新渠道——應(yīng)收賬款融資[J];經(jīng)濟師;2005年02期

本文編號：2405549