本文選題：城市商業(yè)銀行 + 信貸業(yè)務(wù)　； 參考：《蘭州大學(xué)》2014年碩士論文

【摘要】：當(dāng)今,國(guó)內(nèi)國(guó)際金融市場(chǎng)競(jìng)爭(zhēng)充分、環(huán)境多變。國(guó)內(nèi)金融市場(chǎng)在我國(guó)加入WTO后保護(hù)期的結(jié)束,國(guó)內(nèi)金融市場(chǎng)的競(jìng)爭(zhēng)格局發(fā)生了重大變化,國(guó)有四大行壟斷國(guó)內(nèi)金融市場(chǎng)的局面一去無(wú)返,境外銀行、國(guó)內(nèi)股份制銀行、城市商業(yè)銀行如雨后春筍悄然遍布。城市商業(yè)銀行要想在激烈的市場(chǎng)競(jìng)爭(zhēng)中求得立足生存之地,強(qiáng)化自身競(jìng)爭(zhēng)力成為核心命題。 本文從銀行業(yè)最為核心的信貸業(yè)務(wù)為著眼點(diǎn),對(duì)信貸業(yè)務(wù)目前現(xiàn)狀進(jìn)行分層次剖析,借鑒國(guó)內(nèi)外先進(jìn)管理理念及模式,根據(jù)業(yè)務(wù)流程再造(Business Process Reengineer,BPR)的理論,提出城市商業(yè)銀行信貸業(yè)務(wù)流程再造的觀點(diǎn),同時(shí)設(shè)計(jì)構(gòu)想相應(yīng)的變革措施。同時(shí)本論文以甘肅本土新興成立的城市商業(yè)銀行一甘肅銀行為研究藍(lán)本,從信貸業(yè)務(wù)的流程再造方面展開探討,在對(duì)甘肅銀行信貸業(yè)務(wù)流程中存在問題進(jìn)行剖析,同時(shí)對(duì)比國(guó)有商業(yè)銀行信貸業(yè)務(wù)申報(bào)審批流程特別是流程優(yōu)化方面,提出本行信貸業(yè)務(wù)流程再造方面設(shè)想以及與之配套的改革措施,設(shè)計(jì)提出優(yōu)化的授信評(píng)審體系和業(yè)務(wù)審批流程,從組織體系建立、業(yè)務(wù)流程梳理、授權(quán)管理、信息數(shù)據(jù)庫(kù)建設(shè)等方面形成完整的流程再造方案,并提出有效的實(shí)施途徑與進(jìn)程跟進(jìn),使得優(yōu)化流程得以接地并可操作。 本文旨在能夠?yàn)楦拭C銀行在發(fā)展初期就積極主動(dòng)的探索更有競(jìng)爭(zhēng)力的操作模式,以BRP理論為基礎(chǔ),提出落地性較強(qiáng)的信貸流程再造思路及具體措施,以期實(shí)現(xiàn)信貸業(yè)務(wù)流程再造,有效簡(jiǎn)化路徑,優(yōu)化實(shí)施方案,提高效率,通過流程再造為甘肅銀行抓住先機(jī)、搶占市場(chǎng)提供有效支持,從而提升甘肅銀行核心競(jìng)爭(zhēng)力。
[Abstract]:Nowadays, the domestic and international financial market is full of competition and changeable environment. With the end of the protection period of the domestic financial market after China's accession to the WTO, the competitive pattern of the domestic financial market has undergone major changes. The situation of the four state-owned banks monopolizing the domestic financial market has gone without return. Foreign banks, domestic joint-stock banks, Urban commercial banks are springing up quietly. City commercial banks want to get a foothold in the fierce market competition, strengthen their own competitiveness become the core proposition. From the point of view of the credit business which is the core of the banking industry, this paper analyzes the present situation of the credit business in different levels, draws lessons from the advanced management concepts and models at home and abroad, and according to the theory of Business process Reengineering (BPR). This paper puts forward the viewpoint of credit business process reengineering of city commercial bank, and designs corresponding reform measures at the same time. At the same time, this paper takes Gansu Bank, a newly established city commercial bank in Gansu Province, as the research blueprint, discusses the process reengineering of credit business, and analyzes the existing problems in the credit business process of Gansu Bank. At the same time, comparing with the approval process of the credit application of state-owned commercial banks, especially in the aspect of process optimization, this paper puts forward the assumption of the reengineering of the credit business process of the bank and the corresponding reform measures. Design and put forward the optimized credit evaluation system and business approval process, form a complete process reengineering plan from the aspects of organizational system establishment, business process combing, authorization management, information database construction, etc. The effective implementation approach and process follow up are put forward, so that the optimized process can be grounded and can be operated. The purpose of this paper is to explore a more competitive mode of operation for Gansu Bank in the early stage of its development. Based on the theory of BRP, this paper puts forward the idea and concrete measures of credit process reengineering with strong landing ability. In order to achieve credit business process reengineering, effectively simplify the path, optimize the implementation plan, improve efficiency, through process reengineering for Gansu bank to seize the opportunity to seize the market to provide effective support, thereby enhancing the core competitiveness of Gansu bank.
【學(xué)位授予單位】：蘭州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4

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