【摘要】：隨著我國經(jīng)濟體制改革的進行,我國金融市場發(fā)展迅速,市場機制越來越完善,金融市場逐漸繁榮起來,商業(yè)銀行的經(jīng)營環(huán)境發(fā)生了巨大變化,各商業(yè)銀行間的競爭也日趨激烈。特別是近年來我國發(fā)布了一系列新的政策,對金融市場及銀行業(yè)進行了進一步改革和開放,給商業(yè)銀行帶來了極大的挑戰(zhàn)和機遇。商業(yè)銀行面對日趨激烈的國際、國內(nèi)競爭,只有擺脫傳統(tǒng)經(jīng)營方式和經(jīng)營思想的束縛,對商業(yè)銀行的流程進行再造和優(yōu)化,改變傳統(tǒng)的組織結(jié)構(gòu)、業(yè)務(wù)流程等,才能有效的利用銀行各種有限的資源,提高銀行的運營和管理效率,使商業(yè)銀行在競爭中找到出路,在競爭中謀取穩(wěn)定發(fā)展。 本文首先對流程優(yōu)化的相關(guān)理論進行理論綜述,簡述了國內(nèi)外流程管理理論、業(yè)務(wù)流程再造相關(guān)理論及業(yè)務(wù)流程優(yōu)化的相關(guān)理論及方法,并簡要總結(jié)了銀行業(yè)務(wù)流程優(yōu)化的相關(guān)研究。接著本文對我國中小型商業(yè)銀行青島A銀行的信貸業(yè)務(wù)流程進行了梳理,主要針對A銀行的核心流程——信貸業(yè)務(wù)流程進行流程相關(guān)分析及流程優(yōu)化：文章首先分析了A銀行的現(xiàn)狀及流程的現(xiàn)狀,從流程標準化、流程銜接及效率等方面分析了A銀行信貸業(yè)務(wù)流程中存在的問題,并進一步從組織結(jié)構(gòu)、以客戶為中心的理念、績效管理等方面分析總結(jié)了相關(guān)問題存在的原因,從提高效率、提高客戶滿意度等方面提出了A銀行信貸業(yè)務(wù)流程進行流程優(yōu)化的必要性；然后,文章針對A銀行信貸業(yè)務(wù)流程中存在的相關(guān)問題,借鑒國內(nèi)外案例的成功經(jīng)驗,去蕪存菁,對A銀行信貸業(yè)務(wù)流程優(yōu)化的原則及思路進行總結(jié),根據(jù)以客戶為中心、利用IT手段等原則對A銀行信貸業(yè)務(wù)進行了流程優(yōu)化設(shè)計,主要從信貸業(yè)務(wù)整體流程、縮短操作流程、控制不同風險、外包審計業(yè)務(wù)等方面進行了優(yōu)化設(shè)計。最后針對A銀行現(xiàn)狀提出了優(yōu)化組織結(jié)構(gòu)、建立配套機制兩方面的信貸業(yè)務(wù)流程優(yōu)化的保障措施。 本文結(jié)合業(yè)務(wù)流程再造及優(yōu)化的相關(guān)理論,吸取國內(nèi)外流程優(yōu)化的成功案例的經(jīng)驗,對A銀行核心業(yè)務(wù)即信貸業(yè)務(wù)的流程進行優(yōu)化,將理論與實踐相結(jié)合進行分析研究,探索符合市場、客戶要求并適應(yīng)A銀行發(fā)展現(xiàn)狀的信貸業(yè)務(wù)流程,為A銀行建立一個較為完整的信貸業(yè)務(wù)流程體系,解決A銀行現(xiàn)有流程不通暢、效率低下等問題,以提高A銀行的信貸業(yè)務(wù)流程的效率,提高A銀行的經(jīng)營效益和核心競爭力,希望能為我國商業(yè)銀行的業(yè)務(wù)流程優(yōu)化理論的應(yīng)用與實踐,提供有價值的建議和參考。
[Abstract]:With the development of China's economic system reform, the financial market has developed rapidly, the market mechanism has become more and more perfect, the financial market has become more and more prosperous, and the operating environment of commercial banks has undergone tremendous changes. Competition among commercial banks is becoming increasingly fierce. Especially in recent years, China has issued a series of new policies to further reform and open the financial market and banking industry, which has brought great challenges and opportunities to commercial banks. In the face of increasingly fierce international and domestic competition, commercial banks can only get rid of the shackles of traditional management methods and management ideas, reengineer and optimize the processes of commercial banks, and change the traditional organizational structure and business processes, etc. In order to effectively utilize all kinds of limited resources of banks, improve the efficiency of operation and management of banks, commercial banks can find a way out in the competition and seek stable development in the competition. In this paper, the related theories of process optimization are reviewed, and the theories and methods of process management, business process reengineering and business process optimization are briefly introduced. And summarizes the bank business process optimization related research briefly. Secondly, this paper combs the credit business process of Qingdao A Bank, a small and medium-sized commercial bank in China. This paper mainly focuses on the process correlation analysis and process optimization of Bank A's core process-credit business process: firstly, this paper analyzes the current situation of Bank A and the current situation of the process, from the standardisation of the process, This paper analyzes the problems existing in the credit business process of Bank A from the aspects of process convergence and efficiency, and further analyzes and summarizes the causes of the related problems from the aspects of organizational structure, customer-centered concept, performance management, and so on, in order to improve the efficiency. In order to improve customer satisfaction and other aspects, the paper puts forward the necessity of process optimization in the credit business process of Bank A; then, aiming at the problems existing in the credit business process of Bank A, the paper draws lessons from the successful experience of domestic and foreign cases, This paper summarizes the principles and ideas of Bank A's credit business process optimization, designs the process optimization of A bank's credit business according to the principles of customer-centered and IT means, mainly from the overall credit business process, shortens the operation process. Control of different risks, outsourcing audit business and other aspects of the optimization design. Finally, aiming at the present situation of Bank A, the paper puts forward the guarantee measures of optimizing the organization structure and establishing the supporting mechanism of the credit business process optimization. This paper combines the relevant theories of business process reengineering and optimization, absorbs the experience of successful cases of process optimization at home and abroad, optimizes the process of A bank's core business, that is, credit business, and analyzes and studies the combination of theory and practice. To explore the credit process that meets the needs of the market and customers and adapts to the development status of Bank A, establishes a relatively complete credit business process system for Bank A, and solves the problems of poor flow and low efficiency in Bank A. In order to improve the efficiency of the credit business process of Bank A and to improve the management efficiency and core competitiveness of Bank A, it is hoped that it can provide valuable suggestions and references for the application and practice of the theory of business process optimization of commercial banks in China.
【學位授予單位】：山東大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.35;F832.4

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