HS銀行運(yùn)營業(yè)務(wù)外包風(fēng)險(xiǎn)控制研究
本文選題:銀行 + 運(yùn)營外包; 參考:《安徽大學(xué)》2017年碩士論文
【摘要】:近十年來,我國服務(wù)外包產(chǎn)業(yè)從小到大快速發(fā)展,2017年前是我國金融服務(wù)外包的起步階段,2017年后我國金融服務(wù)外包進(jìn)入創(chuàng)新階段,接下來將通過外包加快服務(wù)與傳統(tǒng)產(chǎn)業(yè)的融合,形成"服務(wù)外包+金融",外包商和銀行通過服務(wù)外包實(shí)現(xiàn)資源共享和優(yōu)勢互補(bǔ),銀行的核心競爭和服務(wù)能力得到大幅提高。從最初外包商承接非核心業(yè)務(wù)到逐步嘗試一些核心業(yè)務(wù)中的可外包部分業(yè)務(wù),從原來外包商與銀行簡單的雇用關(guān)系發(fā)展成戰(zhàn)略合作關(guān)系。從國外的實(shí)踐發(fā)展來看,外包戰(zhàn)略是商業(yè)銀行長遠(yuǎn)發(fā)展的一項(xiàng)重要工作內(nèi)容。我國應(yīng)充分借鑒國外的先進(jìn)經(jīng)驗(yàn),降低自身的經(jīng)營成本、釋放人力、有效提升運(yùn)營質(zhì)量和效率。本文先闡述了國內(nèi)外的研究現(xiàn)狀,后通過對運(yùn)營業(yè)務(wù)外包和風(fēng)險(xiǎn)管理相關(guān)理論的概述,介紹了商業(yè)銀行外包的優(yōu)缺點(diǎn),并對商業(yè)銀行外包涉及的風(fēng)險(xiǎn)進(jìn)行了大概描述;谶\(yùn)營業(yè)務(wù)外包的相關(guān)理論研究,本文詳細(xì)分析HS銀行運(yùn)營業(yè)務(wù)外包內(nèi)外部風(fēng)險(xiǎn)及風(fēng)險(xiǎn)控制現(xiàn)狀,指出有外包商存在的問題,還有HS銀行內(nèi)部管理問題以及HS銀行和外包商合作存在的問題,并對問題進(jìn)行了分析。根據(jù)國內(nèi)外銀行運(yùn)營業(yè)務(wù)外包的風(fēng)險(xiǎn)防范經(jīng)驗(yàn),提出化解HS銀行運(yùn)營業(yè)務(wù)外包現(xiàn)有風(fēng)險(xiǎn)應(yīng)對策略,通過建立健全外包規(guī)章制度及充實(shí)專業(yè)人員隊(duì)伍、審慎選擇合適的外包商合作、規(guī)范合同管理、全面提高接管外包業(yè)務(wù)的能力、建立業(yè)務(wù)外包實(shí)施考核測評機(jī)制、建立具有實(shí)踐意義的應(yīng)急方案等措施,希望可以對HS銀行運(yùn)營業(yè)務(wù)外包提供一些指導(dǎo)和借鑒。
[Abstract]:In the past ten years, China's service outsourcing industry has developed rapidly from small to large. Before 2017, it is the initial stage of China's financial service outsourcing. After 2017, China's financial service outsourcing has entered the innovation stage, and then it will speed up the integration of services and traditional industries through outsourcing. "Service outsourcing finance" is formed. Outsourcing providers and banks share resources and complement their advantages through service outsourcing, and the core competition and service ability of banks are greatly improved. From the initial outsourcing undertaking non-core business to the gradual attempt of some core business outsourcing part of the business, from the original simple employment relationship between the outsourcer and the bank into a strategic partnership. From the development of foreign practice, outsourcing strategy is an important part of the long-term development of commercial banks. Our country should draw lessons from the advanced experience of foreign countries, reduce its own operating cost, release manpower, and effectively improve the quality and efficiency of operation. This paper first describes the current research situation at home and abroad, and then introduces the advantages and disadvantages of commercial bank outsourcing through an overview of operational outsourcing and risk management related theories, and gives a general description of the risks involved in commercial bank outsourcing. Based on the relevant theoretical research of operational outsourcing, this paper analyzes in detail the internal and external risks and risk control status of operational outsourcing in HS Bank, and points out the problems of outsourcing providers. There are also internal management problems of HS Bank and the problems of HS Bank and Outsourcing. According to the risk prevention experience of domestic and foreign banks operating outsourcing, this paper puts forward the countermeasures to resolve the existing risks of HS bank operation outsourcing, and through establishing and perfecting the outsourcing rules and regulations and enriching the professional staff, Careful selection of appropriate outsourcing cooperation, standardization of contract management, overall improvement of the ability to take over outsourcing, establishment of an evaluation mechanism for outsourcing implementation, establishment of practical emergency plans, etc. Hope to provide some guidance and reference to HS Bank operating business outsourcing.
【學(xué)位授予單位】:安徽大學(xué)
【學(xué)位級別】:碩士
【學(xué)位授予年份】:2017
【分類號】:F832.33
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