發(fā)布時間：2018-05-21 21:39

  本文選題：郵儲銀行 + 公司結算業(yè)務��； 參考：《吉林大學》2017年碩士論文

【摘要】：近年來,國際金融行業(yè)快速發(fā)展,金融市場瞬息萬變,市場競爭愈發(fā)激烈。傳統(tǒng)的經(jīng)營模式已不再適應國內(nèi)各大商業(yè)銀行的發(fā)展。尋求新的發(fā)展思路,研究更加高效,更加適應當今資本市場和客戶多樣化需求的經(jīng)營方法,是在競爭中取勝的關鍵。公司業(yè)務是銀行核心業(yè)務之一,在利潤貢獻度上占據(jù)著大部分份額,雖然目前零售業(yè)務被各大銀行作為重點業(yè)務發(fā)展,但在未來至少三年內(nèi)公司業(yè)務仍會占據(jù)銀行業(yè)務不可取代的地位,得公司業(yè)務者得天下。打造高效、合規(guī)的公司業(yè)務網(wǎng)點,提高營業(yè)網(wǎng)點對公業(yè)務服務效能,是商業(yè)銀行在復雜多變的市場環(huán)境下拓建自身發(fā)展空間的有效方法。業(yè)務流程在商業(yè)銀行運作過程中具有至關重要的作用,業(yè)務流程的優(yōu)化改革是提高銀行競爭力的核心要素之一。中國郵儲銀行是唯一一家大型國有銀行,36000個服務網(wǎng)點遍布城鄉(xiāng),其中公司業(yè)務網(wǎng)點近4000個,但郵儲銀行開展公司結算業(yè)務時間較短,在對公結算業(yè)務流程上普遍存在流程不規(guī)范、產(chǎn)品缺乏創(chuàng)新力、結算工具單一、對于目標客戶針對性較差、業(yè)務辦理用時過長、缺乏有效的風險控制管理體系等問題,從而造成目標客戶流失。本文首先介紹了郵儲銀行新賓支行現(xiàn)狀,分析了現(xiàn)有公司結算業(yè)務流程存在的問題及問題產(chǎn)生的原因。其次介紹公司業(yè)務流程優(yōu)化方案設計原則、方案具體內(nèi)容以及優(yōu)化方案實施要點和流程優(yōu)化后預期達到的效果。最后是對業(yè)務流程優(yōu)化方案實施的保障措施,其中包括方案啟動前準備工作,建立有效的監(jiān)督管理機制,健全溝通報告機制,以及業(yè)務流程優(yōu)化的風險應對措施等。本文的研究成果對于郵儲銀行公司業(yè)務健康快速發(fā)展、服務效率的提高,風險防控能力加強等方面具有重要的現(xiàn)實意義,同時對于其他銀行公司業(yè)務流程的優(yōu)化也具有一定借鑒作用。這次優(yōu)化符合郵儲銀行新賓支行戰(zhàn)略發(fā)展需要,也是提升郵儲銀行新賓支行公司業(yè)務服務效能的有效方式。
[Abstract]:In recent years, the international financial industry develops rapidly, the financial market changes rapidly, the market competition becomes more and more intense. The traditional business model has no longer adapted to the development of major domestic commercial banks. The key to win the competition is to seek new development ideas, to study more efficiently and to adapt to the diversified demands of the capital market and customers. Corporate business is one of the core business of banks, accounting for most of the profit contribution, although retail business has been developed as a key business by major banks. But in at least the next three years, the company business will continue to occupy an irreplaceable position in the banking sector. It is an effective method for commercial banks to build their own development space under the complex and changeable market environment to create efficient and compliant business outlets and improve the service efficiency of business outlets to the public. Business process plays an important role in the process of commercial bank operation, and the optimization and reform of business process is one of the core elements to improve the competitiveness of banks. The Postal savings Bank of China is the only large state-owned bank with 36,000 service outlets in urban and rural areas, of which nearly 4,000 are corporate outlets. However, the Postal savings Bank has a relatively short time to carry out the company's settlement business. In the public settlement business process, there are many problems, such as the process is not standardized, the product lacks innovation, the settlement tool is single, the target customer is poor, the business processing time is too long, and the effective risk control management system is lacking, and so on. This results in the loss of target customers. This paper first introduces the current situation of the new sub-branch of Postal savings Bank and analyzes the existing problems and causes of the problems. Secondly, it introduces the design principle of the business process optimization scheme, the concrete contents of the scheme, the key points of the implementation of the optimization scheme and the expected results after the process optimization. The last part is the guarantee measures for the implementation of business process optimization scheme, including the preparation work before the start of the project, the establishment of effective supervision and management mechanism, the improvement of communication and reporting mechanism, and the measures to deal with the risks of business process optimization. The research results of this paper have important practical significance for the rapid development of Postal savings Bank's business, the improvement of service efficiency and the strengthening of risk prevention and control ability. At the same time for other bank business process optimization also has certain reference function. This optimization is in line with the strategic development needs of the new sub-branch of Postal savings Bank, and is an effective way to enhance the operational service efficiency of Xinbin Branch of the Postal savings Bank.
【學位授予單位】：吉林大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F618.3;F832.33

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