【作者】 白涛；

【导师】 梁戈夫；

【作者基本信息】 广西大学 ， 工商管理硕士（专业学位）， 2020， 硕士

【摘要】 目前,在我国政策性银行业务中,绝大部分是政策性信贷业务,也是其发挥政策性职能的根本途径。政策性银行若想在复杂多变的国内政策及国际经济环境中生存下来甚至赢得主动权和领导地位,加大国家政策规定领域的支持力度,如何加快业务处理质效则是其必须面对的首要问题。目前,传统政策性银行其现有信贷业务流程模式较为陈旧,重复流程和低效率的工作标准导致难以适应新的市场和竞争环境。政策性银行业务流程改革是当务之急。论文框架引用DMAIC模型,包括D(定义)、M(测量)、A(分析)、I(改善)、C(监控)五个阶段,然后通过现有业务流程的改进以提高服务质量和效率。本文中笔者以某政策性银行X银行GX分行为研究,通过对其信贷业务流程现状的解析,其业务全流程主要分为贷前受理调查、审查审议审批和授信后管理三个大的环节,根据“总行指导、省负总责”原则,该一级分行职能基本涵盖了该银行全部经营范围。本文通过收集GX分行实际办贷案例并结合理论分析的方式,采用DMAIC模型将其现有信贷业务流程进行详细的逐项分析。经过诊断研究发现,该行存在如下几个方面问题:调查评估方法传统且低效、人员素质参差不齐、贷款审查标准不够明确、完全无纸化办贷并未实现、业务流程分工不明确、信贷业务制度官僚化导致“办事难”。根据分析结果提出了信贷业务流程改进方案。论文研究为政策性银行信贷业务流程优化提供了一些理论上的参考,使得信贷业务质效在一定程度上得以提高,银行与客户之间的联系更加紧密,帮助政策性银行在市场化环境中继续发挥政策性职能具有一定的指导作用。研究从整体上全面的对信贷业务流程提出了改良方案,以一家传统政策性银行为例,给出了比较有针对性和实践意义的研究结论。更多还原

【Abstract】 At present,in China’s policy banking business,policy credit business is in the main position,it is the foundation of policy banks,the development of credit business plays a crucial role in the long-term stable development of policy Banks.If policy Banks want to survive in the complex and changeable domestic policy and international economic environment,even win the initiative and advantage,and obtainand quality of financial services.So,abolishing the tedious credit business process,that is,improving the business process must be one of the important measures.It is an urgent and necessary way for policy Banks to improve their credit procedures in time.The framework of this paper refers to the DMAIC model,it covers five stages of definition,measurement,analysis,improvement and control,and it improves service quality and efficiency based on business process improvement.This paper takes GX branch of X bank as the research object,firstly,it analyses the present situation of the GX branch’s credit business process,including the survey before loan,the examination and review procedures and post-loan management process,found it is at the stage of rapid development of business,its approval power can basically satisfy the credit business needs of general customer,but based on the whole and other various aspects reasons of X bank,GX branch of X bank’s process is complicated and tedious,which lead to the low credit business process efficiency,sometimes even can lead to customer dissatisfaction or lost the business.This paper studies the improvement management of credit business process in GX branch of X bank,including preloan investigation,review and post-loan management.By combining theory and case analysis,this paper conducts in-depth discussion and diagnostic research on the status and existing problems of its credit business process with DMAIC model.Through the process diagnosis,five problems were found:not paying attention to customer demand,not paying attention to the application of big data statistical analysis,not paying attention to the improvement of business processes,not taking the initiative to carry out in improvement scheme of credit business process based on DMAIC model is proposed.credit business process improvement of policy Banks,it plays a guiding role in improving the overall efficiency and quality of bank relationship,improving service quality and realizing the change and transformation of process management,and helping the policy Banks to paly a policy-oriented functions in the market environment.The feature and innovation of this paper lies in the comprehensive focus on the improvement and management of credit business process,and select the GX branch of X bank,which is a typical large policy bank,as the research object,the research results are specific and have practical value.更多还原