本文選題：流程優(yōu)化 + 個人外匯兌換��； 參考：《吉林大學》2017年碩士論文

【摘要】：隨著我國經濟金融的發(fā)展、國民生活水平的不斷提高,出境旅游、出國留學等私人跨境活動日漸成為熱門話題。根據《中華人民共和國國民經濟和社會發(fā)展統(tǒng)計公報(2015)》,2015年國內居民因私出境人數達到12172萬人次,相比2014年增長了10.6%;赴港澳臺出境8588萬人次,相比2014年增長了4.4%。據國家統(tǒng)計局數據,2014年我國出國留學人員達45.98萬人,較上年增長11.1%。隨著出境旅游、出國留學的興起,各大銀行紛紛深入出國金融市場,推出各項業(yè)務和優(yōu)惠活動發(fā)掘個人外匯市場。X農商銀行總部坐落于江蘇省蘇南經濟較為發(fā)達的地區(qū),是全國首批組建的股份制農村商業(yè)銀行之一,在本地市場擁有著龐大的客戶群體。X農商銀行自2002年開始開辦國際業(yè)務,經過了十幾年的國際業(yè)務的發(fā)展,全行國際結算量在全市的市場占有量位居第五。但是該農商銀行國際業(yè)務主要以公司客戶國際業(yè)務為主,個人客戶國際業(yè)務占全行國際結算量的比例較小。隨著出國金融的日漸火熱,該農商銀行希望在向現(xiàn)代零售銀行轉型的過程中加強個人外匯業(yè)務的發(fā)展、進入本地出國金融市場。X農商銀行要想加強其個人外匯業(yè)務的發(fā)展、進入本地出國金融市場,必須要對其現(xiàn)有的個人外匯業(yè)務進行全面分析,根據其市場定位和客戶需求重新構造其個人外匯業(yè)務產品及服務。本文通過對X農商銀行現(xiàn)有個人外匯兌換業(yè)務流程進行分析,指出了現(xiàn)有業(yè)務流程中存在的渠道單一、流程復雜的問題。為了提高個人外匯兌換業(yè)務的效率,提高客戶滿意度,為進入出國金融市場、更好地發(fā)展個人外匯業(yè)務打好基礎,X農商銀行需要對個人外匯兌換業(yè)務流程進行全面分析,再造適應當前市場需求的業(yè)務流程。本文通過對X農商銀行個人外匯兌換業(yè)務流程進行全面、系統(tǒng)的分析和論述,為開展研究打下基礎;也對現(xiàn)有業(yè)務流程存在的問題進行分析,提出適應市場的業(yè)務流程,并對將來的業(yè)務管理提出建議。這不僅對該農商銀行的個人外匯兌換業(yè)務流程的規(guī)范、優(yōu)化和提升具有現(xiàn)實指導意義,同時也對其他農商銀行在個人外匯兌換業(yè)務流程的規(guī)范、優(yōu)化和提升具有一定參考價值。
[Abstract]:With the development of economy and finance in our country and the improvement of national living standard, private cross-border activities such as outbound tourism and studying abroad have become a hot topic day by day. According to the National Economic and Social Development Statistics Bulletin of the people's Republic of China, the number of domestic residents leaving the country by private means reached 121.72 million in 2015, an increase of 10.6 compared with 2014, and 85.88 million trips to Hong Kong, Macao and Taiwan, an increase of 4.4 percent compared with 2014. According to the National Bureau of Statistics, the number of students studying abroad reached 459800 in 2014, an increase of 11.1 percent over the previous year. With the rise of outbound tourism and studying abroad, the major banks have gone deep into the overseas financial market and launched various business and preferential activities to explore the individual foreign exchange market. The headquarters of the Agricultural Commercial Bank of Jiangsu Province is located in the economically developed area of southern Jiangsu Province. It is one of the first joint-stock rural commercial banks set up in the country. It has a huge customer group in the local market .X Agricultural Commercial Bank has started to open international business since 2002, after more than ten years of development of international business. The whole bank's international settlement volume in the city's market share of the fifth. However, the international business of the bank is mainly the international business of the company's customers, and the proportion of the international business of individual customers to the international settlement of the whole bank is relatively small. With the growing popularity of foreign finance, the bank hopes to strengthen the development of individual foreign exchange business in the process of transition to a modern retail bank, and to strengthen the development of its personal foreign exchange business by entering the local overseas financial market. In order to enter the local foreign exchange market, we must make a comprehensive analysis of its existing personal foreign exchange business, and reconstruct its personal foreign exchange business products and services according to its market orientation and customer needs. Based on the analysis of the existing business process of individual foreign exchange exchange in X Agricultural and Commercial Bank, this paper points out the problems of single channel and complicated flow in the existing business process. In order to improve the efficiency of personal foreign exchange business and improve customer satisfaction, and in order to enter the overseas financial market and better develop personal foreign exchange business, the Bank of Agriculture and Commerce needs to conduct a comprehensive analysis of the business process of individual foreign exchange exchange. Reengineering business processes to meet current market needs. This paper makes a comprehensive, systematic analysis and discussion on the business process of individual foreign exchange exchange of X Agricultural and Commercial Bank, which lays the foundation for the research, and also analyzes the problems existing in the existing business process, and puts forward the business process to adapt to the market. And put forward the suggestion to the future business management. This not only has practical guiding significance for the standardization, optimization and promotion of the individual foreign exchange business process of the agricultural and commercial bank, but also has certain reference value for the standardization, optimization and promotion of other agricultural and commercial banks in the personal foreign exchange business process.
【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】：F832.6

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