【作者】 杨柳；

【导师】 朱秀梅；

【作者基本信息】 吉林大学 ， 工程硕士（专业学位）， 2018， 硕士

【摘要】 吉林省农村信用社联合社成立于2004年5月20日,经省政府授权人民银行批准对全省农村信用社履行“服务、指导、协调和行业管理”职能。现辖33家农村商业银行、19家县联社;员工27343名,服务网点1731个,是省内网点最多、服务范围最广、支农力度最大的地方金融机构。银行业务流程优化和流程银行建设是商业银行研究的热点问题,是将管理学中“流程优化”理论应用于商业银行的应用。当代金融混业经营趋势明显,利率市场化改革稳步推进,在直接融资建设的背景下,作为中小金融机构的吉林省农村信用社,研究其业务流程优化,可以更好的面对同业竞争和适应市场改革,具有理论意义和现实意义。本文首先对流程优化的相关理论进行阐述,包含流程管理相关理论、业务流程优化相关理论。对吉林省农村信用社的业务流程现状进行简单介绍,以柜面服务流程、信贷业务流程和组织管理流程等三个具有代表性的银行业务作为切入点,通过对现有流程的梳理找出存在的问题并分析其原因。针对存在的问题,对业务流程进行优化设计,制定具体的优化方案,并提出保障方案实施的措施,最后得出研究结论。更多还原

【Abstract】 The rural credit cooperatives association of Jilin Province was established on May 20,2004.It is authorized by the provincial government to perform the functions of "service,guidance,coordination and industry management" to the rural credit cooperatives of the province.Now it has jurisdiction over 33 rural commercial Banks and 19 counties.With 27343 employees and 1731 service outlets,it is the largest local financial institution with the largest number of outlets,the widest scope of services and the largest support.The construction of process banks and the optimization of bank business processes is a hot issue in the research of commercial banks.It is the application of management process optimization theory to commercial banks.The contemporary trend of financial mixed operation is obvious,the interest rate market reform steadily,in direct financing construction under the background of rural credit cooperatives in Jilin Province as the study of the small and medium-sized financial institutions,business process optimization,can better adapt to competition and has theoretical significance and practical significance of market reform.This paper first describes the relevant theories of process optimization,including the theory of process management and the theory of business process optimization.The present situation of the business process of the rural credit cooperatives in Jilin province is briefly introduced.Three representative banking services,such as the counter service flow,the credit business process and the organization and management process,are used as the breakthrough point to find out the problems existing in the process and analyze the reasons.The analysis and design of business process optimization is carried out according to research method and research route,and the optimization plan is put forward.Finally,through the implementation of the proposal to protect the project to ensure the smooth implementation of the project,finally came to the conclusion of the study.更多还原