【作者】 潘雷；

【导师】 任燕燕；

【作者基本信息】 山东大学 ， 工业工程， 2011， 硕士

【摘要】 我国的交存款管理分为两个部分：一般性存款和财政性存款。一般性存款即存款准备金。财政性存款主要是财政金库款项和政府财政拨给机关单位的经费以及其他特种公款等。一般性存款的缴存比例即存款准备金率由央行根据经济形势确定,财政性存款的缴存比例为足额(100%)上交。人民银行交存款管理业务的管理考核的对象是各金融机构,其流程与各银行的业务流程相互关联。现有的交存款流程是以手工处理为主,效率低、差错率高,影响了人民银行对央行资金、市场流动性的管理效率。特别是在各银行经过几年的流程再造,普遍采用信息化处理业务的时期,央行的交存款手工处理流程显得尤为低效与陈旧。本文通过对人民银行交存款管理现有流程存在的不足和弊端的分析和研究,结合流程再造理论,运用信息化技术,对交存款管理流程的改进和再造的过程和具体的技术实现进行了详尽的分析和描述。本文从章节安排上,分为六个部分。文章的第一章为绪论,主要介绍了研究背景、研究意义和目的以及研究的文献综述。文章的第二章为流程再造相关理论和人民银行现有交存款管理流程概述。从流程再造的起源讲起,介绍了流程再造的基础理论以及流程再造对银行和央行的重要意义,以此为基础,对人民银行交存款管理业务进行了介绍,并详细分析交存款流程的各个环节。第三章为现有交存款流程与改进后的交存款流程的对比。文章从交存款流程的各个环节——数据上报、数据核对、合计余额计算、凭证打印以及交存款范围调整——等方面,详尽地对原有流程和改进后的流程进行了比较说明。文章的第四章为交存款流程改进的技术实现。文章首先对新流程进行了总体分析,然后依次对系统架构、关键技术、功能实现等方面进行了具体的讲解。第五章为效益分析。文章以近两年交存款流程改进前后(交存款管理系统在山东省推广以后)的数据为基础,在货币政策传导效率、交存款管理工作效率和数据的准确率等几个方面对流程改进后取得的经济效益和社会效益进行了陈述。第六章是本文的结论。文章通过对交存款流程改进的总结,得出了如下结论：对人民银行交存款管理流程的改进不仅是必要的,也是可行的,而且已经在山东省德州市取得了一定的成功,具有在全国进行推广的价值。流程再造的理论对于作为我国央行的人民银行改进管理流程、提高管理效率具有重要的意义。本文的创新之处是在分析当前交存款管理现状的同时,结合流程再造理论,运用信息化技术,对我国央行交存款管理流程进行了全新的改进,并对改进后取得的成效进行了详细的论述。目前来看,山东德州市交存款流程的改进在人民银行系统内属于开创性的工作,走在了全国人民银行系统的前列。人民银行济南分行已经将德州市的先进经验在山东省辖内推广应用。通过本文研究,希望能进一步促进我国央行管理流程的改进,进而我国中央银行行使货币政策的效率。更多还原

【Abstract】 Pay deposits management in our country is divided into two parts:general deposit and public financal deposit. General deposit is the reserve against deposit. Public financial deposit mainly include national treasury money, government financial money, and other special public funds etc. Payment ratio of general deposit (deposit reserve) is regulated by the central bank according to current economic situation.However, public financial deposit is turned in completely (100%).The pay deposits management business of People’s Bank of China(PBC) is to management all other financial institutions, and the business process of PBC is related to the other banks’business process. The existing pay deposit process is based on manual processing with low efficiency and high error ratio, which influence the management efficiency of PBC for central bank funds and the liquidity of national funds market. Especially after years of process engineering and the widespread use of the information processing business in banks, the central bank’s pay deposit manual processing is more and more inefficient and out of date.Through the analysis and research on the problems and disadvantages of existing processes of PBC’s deposit management, with process reengineering and information technology, this article analyzes and discripes in details on pay deposit management process improvement, reengineering process and specific technology.This paper is divided into six parts. The first chapter is the introduction on research background, significance,purpose, and research literature review. The second chapter overviews the related theory of process reengineering and the existing process of deposit management in PBC. This parts starts from the origin of·process reengineering,introduces the basic theory and the importance of of process reengineering for banks and central bank. Based on this, it gives a detailed introduce on pay deposit management of PBC and a detailed analysis of each link of pay deposit process. The third chapter is about the contrast of existing pay deposit process to the improved pay deposit process made by the author. It compared the original process and the improved process in several aspects such as the data report, data check, aggregate balance calculation, vouchers printing and pay deposit scope adjustment. Chapter 4 of article is about the realization of improvement techniques of the process. First, there is a overall analysis of new process, and then a specific introduce on the system structure, key technology and function realization. Chapter 5 is benefit analysis. Based on the datum of nearly two years before and after process improvement (the deposit management system has been put in practice in Shandong province),the article give a statement about economic benefits and social benefits of process improvement in the monetary policy transmission efficiency, pay deposit management work efficiency and accuracy of the data. Chapter 6 is the conclusion of this paper. Based on the summary of process improvement in deposits, the conclusion is:the pay deposit management process improvement is not only necessary but also feasible in PBC. It has made some success in Dezhou city,Shandong province, and it is worth to be promoted nationalwide. The process reengineering theory is of great significance for the central bank’s improvement in the efficiency of management process.The innovation of this paper is the brand-new improvement of deposit management process of the central bank and the discussion of improved results in detail,by using information technology based on the analysis of current situation of management and process reengineering. So far, pay deposit process improvement in PBC Dezhou Branch,Shandong is a kind of creative work within the central bank system, and is in the forefront in our country. The PBCJinan Branch has made the advanced experience of Dezhou applicated in Shandong province within the central bank system.Through this paper, we hope to further promote the improvement of the central bank’s management process and improve our central bank’s exercise efficiency of monetary policy.更多还原