本文關(guān)鍵詞：大連農(nóng)村商業(yè)銀行公司信貸業(yè)務(wù)流程再造研究　出處：《大連理工大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

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【摘要】：大連農(nóng)村商業(yè)銀行是由農(nóng)村信用社改制成立的一家股份制商業(yè)銀行,多年來一直秉承“扎根農(nóng)村,服務(wù)三農(nóng)”的經(jīng)營宗旨,積極為農(nóng)民和農(nóng)村中小企業(yè)提供信貸服務(wù),是農(nóng)村金融的主力軍。近年來,隨著多家商業(yè)銀行在農(nóng)村設(shè)立分支機(jī)構(gòu)以及村鎮(zhèn)銀行和小額貸款公司等新興農(nóng)村金融機(jī)構(gòu)的異軍突起,同業(yè)競爭日趨加劇,曾經(jīng)在大連農(nóng)村金融市場上占有絕對優(yōu)勢的大連農(nóng)村商業(yè)銀行面臨前所未有的競爭壓力。如何提高核心競爭能力來應(yīng)對其他金融機(jī)構(gòu)的挑戰(zhàn),是大連農(nóng)村商業(yè)銀行當(dāng)前急需認(rèn)真解決的問題。 公司信貸業(yè)務(wù)是大連農(nóng)村商業(yè)銀行目前經(jīng)營的核心業(yè)務(wù),公司信貸業(yè)務(wù)流程的效率對于大連農(nóng)村商業(yè)銀行鞏固和拓展優(yōu)質(zhì)客戶群體、提升核心競爭力和防范控制風(fēng)險能力至關(guān)重要。因此,改變傳統(tǒng)的經(jīng)營理念,學(xué)習(xí)和借鑒國內(nèi)外商業(yè)銀行的再造經(jīng)驗,建立科學(xué)合理的以客戶為中心的公司信貸業(yè)務(wù)流程,有效滿足客戶的需求、提升信貸服務(wù)水平,是大連農(nóng)村商業(yè)銀行應(yīng)對挑戰(zhàn)和競爭的必然選擇。 本文以大連農(nóng)村商業(yè)銀行為研究對象,綜合運用業(yè)務(wù)流程再造的理論、方法和技術(shù),對其公司信貸業(yè)務(wù)流程再造進(jìn)行研究。 首先,通過介紹論文的選題背景和研究意義,概括性地回顧了國內(nèi)外對業(yè)務(wù)流程再造和銀行再造的相關(guān)研究文獻(xiàn),從而提出了本文的理論研究方法及主要內(nèi)容。 其次,通過問卷調(diào)查法、訪談法等方式對大連農(nóng)村商業(yè)銀行現(xiàn)有公司信貸業(yè)務(wù)流程各個環(huán)節(jié)進(jìn)行了診斷,根據(jù)診斷結(jié)果對公司信貸流程中的客戶申請受理與調(diào)查環(huán)節(jié)、審查與審議審批環(huán)節(jié)、貸后監(jiān)控管理環(huán)節(jié)進(jìn)行了系統(tǒng)的、詳細(xì)的再造設(shè)計,建立了客戶營銷和產(chǎn)品設(shè)計流程,簡化了調(diào)查、審查、審議、審批環(huán)節(jié)流程,建立了貸后風(fēng)險預(yù)警管理流程,在有效提升流程運行效率的同時也提高了信貸風(fēng)險防控能力。 最后,為保證再造后的公司信貸業(yè)務(wù)流程的順利實施,本文制定了實施公司信貸業(yè)務(wù)流程再造的配套措施,預(yù)測和分析了再造后新業(yè)務(wù)流程的預(yù)期效果,突出了新流程的優(yōu)點。 本文試圖為大連農(nóng)村商業(yè)銀行公司信貸業(yè)務(wù)流程的進(jìn)一步完善與發(fā)展提供較好的理論指導(dǎo),因此,也希望對其進(jìn)一步細(xì)化公司信貸管理具有一定的借鑒作用。
[Abstract]:Dalian Rural Commercial Bank is a joint-stock commercial bank established by rural credit cooperatives. For many years, Dalian Rural Commercial Bank has been adhering to the management purpose of "taking root in rural areas and serving agriculture, countryside and farmers". Actively providing credit services to farmers and small and medium-sized rural enterprises is the main force of rural finance in recent years. With the emergence of many commercial banks in rural areas as well as new rural financial institutions such as village banks and microfinance companies, the competition among the same industry is becoming more and more serious. Dalian Rural Commercial Bank, which once had an absolute advantage in Dalian rural financial market, is facing unprecedented competitive pressure. How to improve the core competitive ability to meet the challenges of other financial institutions. Dalian Rural Commercial Bank is in urgent need of serious solutions. Corporate credit business is the core business of Dalian Rural Commercial Bank at present. The efficiency of corporate credit business process for Dalian Rural Commercial Bank to consolidate and expand the quality of customer groups. It is very important to improve the core competence and prevent and control risks. Therefore, we should change the traditional management concept and learn from the domestic and foreign commercial banks' experience of reengineering. It is an inevitable choice for Dalian Rural Commercial Bank to meet the challenge and competition of Dalian Rural Commercial Bank by establishing a scientific and reasonable business process of company credit, which can effectively meet the needs of customers and improve the level of credit service. This article takes Dalian Rural Commercial Bank as the research object, synthetically uses the business process reengineering theory, the method and the technology, carries on the research to its company credit business process reengineering. First of all, by introducing the background and significance of the thesis, the paper reviews the domestic and foreign research literature on business process reengineering and banking reengineering. Thus, the theoretical research method and main contents of this paper are put forward. Secondly, through the method of questionnaire, interviews and other ways to Dalian Rural Commercial Bank of the existing corporate credit business process of the diagnosis of each link. According to the results of the diagnosis of the company's credit process in the process of customer application acceptance and investigation, review and review of the examination and approval link, loan monitoring and management of the link carried out a systematic, detailed reengineering design. Established the customer marketing and product design process, simplified the investigation, review, review, approval process, established the post-loan risk early warning management process. At the same time, it improves the ability of preventing and controlling credit risk. Finally, in order to ensure the successful implementation of the corporate credit business process after reengineering, this paper formulates the supporting measures to implement the corporate credit business process reengineering, and forecasts and analyzes the expected effect of the new business process after the reengineering. The advantages of the new process are highlighted. This paper attempts to provide better theoretical guidance for the further improvement and development of the credit business process of Dalian Rural Commercial Bank. Therefore, it also hopes to further refine the corporate credit management has a certain reference role.
【學(xué)位授予單位】：大連理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4

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本文編號：1396102