SDA銀行流程銀行構(gòu)建策略研究
發(fā)布時間：2019-06-26 22:09
【摘要】：伴隨全球經(jīng)濟一體化、金融自由化的不斷深入,金融界中各類參與者間的競爭也日趨激烈。為了應(yīng)對激烈的市場競爭,培育銀行業(yè)核心競爭力。20世紀(jì)90年代,在企業(yè)流程再造這一理論的基礎(chǔ)上,美國學(xué)者率先提出了銀行再造理論,開創(chuàng)了商業(yè)銀行管理的新模式。它要求銀行在現(xiàn)代信息技術(shù)力量的幫助下,放棄傳統(tǒng)意義上的職能型分工,重新設(shè)計和規(guī)劃銀行新的管理模式和業(yè)務(wù)流程,從而為銀行實行科學(xué)流程重塑,獲得具有領(lǐng)先價值的、核心的競爭優(yōu)勢。 流程銀行建設(shè)是借助現(xiàn)代信息技術(shù)力量,堅持以客戶為中心為原則,從根本上改造商業(yè)銀行現(xiàn)有的、傳統(tǒng)的業(yè)務(wù)流程和組織架構(gòu),對銀行的經(jīng)營理念、價值觀念、工作思路和管理模式進行變革,全面提升商業(yè)銀行的核心競爭力的一種全新的改革模式。本文在對流程銀行建設(shè)理論分析的基礎(chǔ)上,指明了流程銀行建設(shè)的必要性、構(gòu)建框架和基本途徑,進而提出SDA銀行構(gòu)建流程銀行的方法和策略,以及構(gòu)建流程銀行所需要的保障措施。本文主要結(jié)論和創(chuàng)新點有： (1)業(yè)務(wù)流程再造是構(gòu)建流程銀行的核心,組織結(jié)構(gòu)再造是銀行再造的重要依托,企業(yè)文化再造是銀行再造的重要保障,只有根據(jù)客戶需要進行流程再造、根據(jù)流程需要進行組織再造、根據(jù)組織需要進行文化再造,即實施“三位一體”式的再造,流程銀行建設(shè)才能取得成功；業(yè)務(wù)流程再造的內(nèi)容包括前臺業(yè)務(wù)流程再造、信貸管理流程再造、零售業(yè)務(wù)流程再造、產(chǎn)品創(chuàng)新流程再造等部分； (2)SDA銀行現(xiàn)有的業(yè)務(wù)流程是為適應(yīng)既有的組織結(jié)構(gòu)和滿足內(nèi)部管理需要設(shè)置的,必須以客戶中心原則替代內(nèi)部便利原則,以流程中心原則替代部門中心原則,以技術(shù)革命原則替代技術(shù)應(yīng)用原則,對SDA銀行現(xiàn)有的冗長、僵化、低效的業(yè)務(wù)流程進行再造和重塑,建立簡便、高效、差別化、電子化的業(yè)務(wù)流程； (3)根據(jù)“縱向壓縮、橫向集成”的原則對SDA銀行現(xiàn)有龐大的分支機構(gòu)進行“扁平化”改造,將一級和二級分行精簡為一層管理機構(gòu)；對內(nèi)設(shè)職能部門進行“集成式”改造,明確前、中、后臺的部門職責(zé)；形成矩陣式或事業(yè)部制的組織結(jié)構(gòu)； (4)進行IT治理,構(gòu)建新一代核心業(yè)務(wù)系統(tǒng),系統(tǒng)應(yīng)符合SDA銀行改革與發(fā)展的方向,符合新會計準(zhǔn)則、會計核算制度和內(nèi)部控制制度的基本規(guī)定,符合流程銀行建設(shè)要求和客戶需求,按照流程銀行的建設(shè)思想,從業(yè)務(wù)交易、客戶服務(wù)、產(chǎn)品、管理和風(fēng)險控制等方面加以統(tǒng)籌考慮。
[Abstract]:With the globalization of global economy and the deepening of financial liberalization, the competition among all kinds of participants in the financial world is becoming more and more fierce. In order to cope with the fierce market competition and cultivate the core competitiveness of the banking industry, in the 1990s, on the basis of the theory of business process reengineering (BPR), American scholars took the lead in putting forward the theory of bank reengineering and creating a new mode of commercial bank management. With the help of modern information technology, banks are required to give up the functional division of labor in the traditional sense, redesign and plan the new management mode and business process of the bank, so as to reshape the scientific process of the bank and obtain the leading value and core competitive advantage. The construction of process bank is a new reform mode to fundamentally transform the existing and traditional business process and organizational structure of commercial banks with the help of modern information technology, adhere to the principle of customer-centered, change the management concept, values, working ideas and management mode of banks, and comprehensively enhance the core competitiveness of commercial banks. Based on the theoretical analysis of the construction of process bank, this paper points out the necessity, framework and basic way of constructing process bank, and then puts forward the methods and strategies of constructing process bank of SDA bank, as well as the necessary safeguard measures for the construction of process bank. The main conclusions and innovations of this paper are as follows: (1) Business process reengineering is the core of building process bank, organizational structure reengineering is an important support of bank reengineering, corporate culture reengineering is an important guarantee of bank reengineering, only according to customer needs, organizational reengineering according to process needs, cultural reengineering according to organizational needs, that is, the implementation of "trinity" reengineering, The construction of process bank can be successful. The contents of business process reengineering include foreground business process reengineering, credit management process reengineering, retail business process reengineering, product innovation process reengineering and so on. (2) the existing business processes of SDA Bank are set up to adapt to the existing organizational structure and meet the needs of internal management. We must replace the principle of internal convenience with the principle of customer center, replace the principle of department center with the principle of process center, replace the principle of technology application with the principle of technological revolution, reconstruct and reshape the existing long, rigid and inefficient business processes of SDA Bank, and establish simple, efficient and differential business processes. Electronic business process; (3) according to the principle of "vertical compression and horizontal integration", the existing huge branches of SDA Bank are "flattened", the first and second branches are simplified into a layer of management organization, the internal functional departments are transformed into "integrated" departments, and the responsibilities of the departments before, middle and back are clarified, and the organizational structure of matrix or division system is formed. (4) to carry out IT governance and construct a new generation of core business system, the system should conform to the direction of reform and development of SDA bank, the basic provisions of new accounting standards, accounting system and internal control system, meet the requirements of process bank construction and customer demand, and consider from the aspects of business transaction, customer service, product, management and risk control in accordance with the construction idea of process bank.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.2
本文編號：2506538
[Abstract]:With the globalization of global economy and the deepening of financial liberalization, the competition among all kinds of participants in the financial world is becoming more and more fierce. In order to cope with the fierce market competition and cultivate the core competitiveness of the banking industry, in the 1990s, on the basis of the theory of business process reengineering (BPR), American scholars took the lead in putting forward the theory of bank reengineering and creating a new mode of commercial bank management. With the help of modern information technology, banks are required to give up the functional division of labor in the traditional sense, redesign and plan the new management mode and business process of the bank, so as to reshape the scientific process of the bank and obtain the leading value and core competitive advantage. The construction of process bank is a new reform mode to fundamentally transform the existing and traditional business process and organizational structure of commercial banks with the help of modern information technology, adhere to the principle of customer-centered, change the management concept, values, working ideas and management mode of banks, and comprehensively enhance the core competitiveness of commercial banks. Based on the theoretical analysis of the construction of process bank, this paper points out the necessity, framework and basic way of constructing process bank, and then puts forward the methods and strategies of constructing process bank of SDA bank, as well as the necessary safeguard measures for the construction of process bank. The main conclusions and innovations of this paper are as follows: (1) Business process reengineering is the core of building process bank, organizational structure reengineering is an important support of bank reengineering, corporate culture reengineering is an important guarantee of bank reengineering, only according to customer needs, organizational reengineering according to process needs, cultural reengineering according to organizational needs, that is, the implementation of "trinity" reengineering, The construction of process bank can be successful. The contents of business process reengineering include foreground business process reengineering, credit management process reengineering, retail business process reengineering, product innovation process reengineering and so on. (2) the existing business processes of SDA Bank are set up to adapt to the existing organizational structure and meet the needs of internal management. We must replace the principle of internal convenience with the principle of customer center, replace the principle of department center with the principle of process center, replace the principle of technology application with the principle of technological revolution, reconstruct and reshape the existing long, rigid and inefficient business processes of SDA Bank, and establish simple, efficient and differential business processes. Electronic business process; (3) according to the principle of "vertical compression and horizontal integration", the existing huge branches of SDA Bank are "flattened", the first and second branches are simplified into a layer of management organization, the internal functional departments are transformed into "integrated" departments, and the responsibilities of the departments before, middle and back are clarified, and the organizational structure of matrix or division system is formed. (4) to carry out IT governance and construct a new generation of core business system, the system should conform to the direction of reform and development of SDA bank, the basic provisions of new accounting standards, accounting system and internal control system, meet the requirements of process bank construction and customer demand, and consider from the aspects of business transaction, customer service, product, management and risk control in accordance with the construction idea of process bank.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.2
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