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论文编号：	8056
作者编号：	2120132675
上传时间：	2015/12/11 8:52:36
中文题目：	中行天津分行信贷业务审批流程再造研究
英文题目：	Research of Loan Business Process Reengineering of Bank of China, Tianjin branch
指导老师：	张金成
中文关键字：	商业银行；信贷业务；流程再造；风险防范
英文关键字：	Commercial Bank；Credit business；Process reengineering；Risk prevention
中文摘要：	竞争是市场经济最基本的原则，自中国加入WTO以来，大量外资银行涌入中国，中资银行和外资银行在本土的竞争日趋激烈。外资银行经营体制灵活，并具有强大的国际竞争力，中资银行若要在激烈的竞争中强化自身地位，深化经营管理体制改革成为核心命题。由于产品的同质性，各家中资银行除规模、地域差异外，产品竞争已经不是提高自身核心竞争力的手段。不同银行的主要差别在于其服务质量，而与服务质量直接相关的业务流程的优质与否成为银行提高核心竞争力的关键点。本文以最代表银行业务流程质量的信贷业务审批流程为着眼点，以BPR（业务流程重组）理论为指导，提出银行信贷业务审批流程再造的观点，构造银行信贷业务审批流程再造组织体系与管理结构。本文以中国银行天津分行为研究蓝本，回顾其信贷审批业务流程的发展历史，研究其经营现状，对其信贷审批业务流程进行诊断，提出业务流程再造的方案设计，对可能的风险进行规避，并独具特色的提出了企业文化建设与绩效评估的观点。旨在提高效率，简化路径，为中行天津分行抓住市场，提升核心竞争力提供支持，并希望进而为国内银行信贷业务流程再造提供一个借鉴的平台。
英文摘要：	Competition is the basic principle of market economy. Since China's accession to the WTO，A large number of foreign Banks has went into China. The domestic competition between Chinese banks and foreign banks is increasingly fierce. Foreign banks have flexible management system and Strong international competitiveness. If Chinese banks want to strengthen its position In the fierce competition, reform of the management system become a core proposition. Due to the homogeneity of the product, In addition to the scale and the regional differences, the product competition has not means to improve Chinese Banks’ core competitiveness. The main difference between different banks lies in its service quality, high quality or not of the work flow become the key points to increase the core competitiveness. In this paper, the most representative credit business approval process is the starting point. Guided by the theory of BPR (business process reengineering), we present the view of bank credit for examination and approval of business process reengineering, establish the theory framework of bank credit business process reengineering of examination and approval, study the Implementation strategy of bank credit for examination and approval of business process reengineering, Establish the organization system of bank credit for examination and approval of business process reengineering. Based on the research of Bank of China, Tianjin branch, we review the development history of the credit business process of examination and approval, study the current operation, diagnose its credit business process of examination and approval, put forward the design of business process reengineering, and avoid the possible risk. The purpose is to improve efficiency, simplify path, seize the market and enhance core competitiveness for the bank of China Tianjin branch. Then we hope to provide a reference platform of the credit business process reengineering for domestic banks.
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