本文選題：商業(yè)銀行　切入點：流程再造　出處：《首都經(jīng)濟(jì)貿(mào)易大學(xué)》2014年碩士論文

【摘要】：一場2007年的全球性金融危機(jī)，讓長期以“收益高、風(fēng)險低、管理強(qiáng)”自稱的美國銀行業(yè)瞬間失去了全球金融霸主的頭銜，這對一直處于第二階梯的我國銀行業(yè)來說是一個絕好的趕超和發(fā)展契機(jī)。但是，從當(dāng)前我國經(jīng)濟(jì)環(huán)境來看，存款脫媒、存貸款利差縮小，互聯(lián)網(wǎng)金融發(fā)展勢頭猛進(jìn)等新趨勢，都對我國傳統(tǒng)商業(yè)銀行造成不小的沖擊，如果仍然“按部就班”地遵循以“銀行本位主義”的發(fā)展思路及傳統(tǒng)“部門制”的管理模式，僅僅依靠政府扶持或政策保護(hù)，而不以客戶和市場為中心，積極轉(zhuǎn)變戰(zhàn)略發(fā)展思路和觀念，，那么長期暴露出的機(jī)構(gòu)臃腫、流程繁復(fù)、層級過多、產(chǎn)品同質(zhì)化、服務(wù)效率低下等傳統(tǒng)銀行詬病，勢必將阻礙我國商業(yè)銀行自身的可持續(xù)發(fā)展。而通過何種方式才能快速、穩(wěn)健地提升自身綜合實力和盈利能力，拓寬業(yè)務(wù)規(guī)模和市場份額，實現(xiàn)規(guī)模效益的雙增長，在國際競爭中迅速上位，這是擺在我國銀行業(yè)面前的最大難題。而流程再造理論的引進(jìn)，正好為處于戰(zhàn)略轉(zhuǎn)型時期的我國商業(yè)銀行提供了改革方向和工具。 實際上，由于國內(nèi)外經(jīng)濟(jì)發(fā)展速度的不平衡性，我國商業(yè)銀行現(xiàn)今遭遇的金融局勢變動和競爭環(huán)境，早于20多年前就已擺在歐美銀行面前，我們的國外同業(yè)們并沒有固守傳統(tǒng)，而是在深入研究和分析環(huán)境和市場因素及未來市場發(fā)展方向的基礎(chǔ)上，及時探索和實踐，大膽變革和創(chuàng)新，順利將傳統(tǒng)銀行管理模式通過流程再造等手段，和平過渡至現(xiàn)今高效、安全、合規(guī)的流程銀行管理模式。而在這當(dāng)中發(fā)揮積極作用的“流程再造”理論，值得我們在結(jié)合我國商業(yè)銀行發(fā)展的基礎(chǔ)上進(jìn)行深入的研究，故筆者采用理論分析與實證研究相結(jié)合的方式，以業(yè)務(wù)流程再造理論研究為基礎(chǔ)，借鑒國外先進(jìn)銀行流程再造實例，總結(jié)提煉出適宜我國商業(yè)銀行流程再造的總體設(shè)計方案，從而為我國商業(yè)銀行流程再造提供新的設(shè)計思路。
[Abstract]:A global financial crisis in 2007 led to the loss of the title of global financial hegemon for a long time to the self-proclaimed "high return, low risk, strong management" in the United States.This has been in the second ladder of our banking industry is a great opportunity to catch up and develop.However, from the point of view of the current economic environment in China, new trends such as deposit disintermediation, narrowing of deposit and loan spreads, and rapid development of Internet finance have all caused a great impact on traditional commercial banks in China.If we still follow the development thinking of "bank-oriented" and the traditional "sector-system" management mode "step by step" and rely solely on government support or policy protection, rather than focusing on customers and markets,By actively changing strategic development ideas and concepts, the traditional banks, such as bloated institutions, complicated processes, excessive levels, homogenization of products and low efficiency of service, will inevitably hinder the sustainable development of commercial banks in our country.And how can we quickly and steadily improve their comprehensive strength and profitability, broaden the scale of business and market share, achieve the dual growth of scale benefit, and quickly rise in the international competition,This is the biggest problem in front of China's banking industry.The introduction of the theory of process reengineering provides the reform direction and tool for the commercial banks in the period of strategic transformation.In fact, due to the imbalance in the pace of economic development at home and abroad, the changes in the financial situation and the competitive environment encountered by commercial banks in our country have been in front of European and American banks since more than 20 years ago, and our foreign counterparts have not adhered to the tradition.Instead, on the basis of in-depth study and analysis of environmental and market factors and the direction of future market development, timely exploration and practice, bold change and innovation, and smooth implementation of the traditional banking management model through such means as process reengineering,A peaceful transition to today's efficient, secure, and compliant process banking management model.The theory of "process reengineering", which plays an active role in this process, is worthy of our in-depth study on the basis of the development of commercial banks in China. Therefore, the author adopts the combination of theoretical analysis and empirical research.Based on the research of business process reengineering (BPR) theory and drawing lessons from foreign advanced bank BPR examples, this paper summarizes the overall design scheme suitable for BPR in China, thus providing a new design idea for BPR in China.
【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.33

【引證文獻(xiàn)】

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