【作者】 张健；

【导师】 丁秋雷；

【作者基本信息】 东北财经大学 ， 工商管理（专业学位）， 2021， 硕士

【摘要】 自党的十八届三中全会将发展普惠金融纳入到国家战略规划以来,一波才动万波随,相关课题的研讨方兴未艾,社会各界人士纷纷谏言献策,学界对于相关问题的研究也越发深入。小微企业是当前我国普惠金融重点服务群体,研究小微企业相关问题,应以我国普惠金融发展氛围为背景。伴随着中国经济总量的持续增长和民营经济的蓬勃发展,符合中小微企业标准的各类主体已发展至8000余万家,群体的经济产出总量占GDP的60%以上,承担了一半的国家税收,在全国范围内保障了 80%的就业需求,小微企业的发展对我国经济平稳运行具有意义重大。小微企业授信业务隶属于普惠金融范畴,是目前金融业普遍关注的话题,作为我国商业银行服务实体、回本溯源的重要渠道,在当前经济形势下,以金融支持助力小微企业的发展是业内的广泛共识。我国商业银行近年来面临着国家产业结构转型、经济新常态、利率市场化等多重考验,加之近两年疫情的强烈冲击,资产质量普遍下滑,行业盈利能力增长较弱,尤其是D银行所处的东北地区,经济增长长期处于低位。近年来D银行倡导“做强零售做精普惠科技引领风控先行”的发展理念,将普惠金融工作提升到战略高度。从客户满意度来看,D银行授信业务流程存在诸多问题,有鉴于此,本文将从业务流程优化的角度出发,探讨D银行小微企业授信业务存在的根源性问题及其解决方案。本文从宏观环境入手,分析了研究所处的时代背景,从D银行面临的诸多挑战和现实需求出发,阐释了研究的问题与目的,从宏观视角介绍了研究的理论意义,立足研究对象及其所处行业现状,介绍了研究的现实意义。对研究路线与方法进行了规划,以此为指引,通过文献研究,归纳总结了前人的理论研究和应用成果,阐释了业务流程再造的途径和精益管理理论的核心思想,为D银行小微企业授信业务流程优化提供了指导性的理论基础。接下来,本文概述了 D银行的基本情况及其普惠金融业务的市场定位,详细介绍了 D银行现行的业务流程,结合调查成果,梳理分析了 D银行业务流程现阶段存在的问题及相关问题产生的深层次原因。然后,结合D银行现阶段内外部资源和环境,运用业务流程再造理论和精益管理理论,对现有的业务流程进行深入的拆解分析,区分核心子流程及非核心子流程,采用并行、删减、重组等手段,在满足监管要求,落实尽职调查职责的前提下,极大缩短了整体业务流程长度,显著减少了流程涉及的岗位数量和操作人次。完善了流程牵引机制,使业务流程在必要的“通知提醒”下自主流转,在此基础上对流程涉及的人力资源进行再配置,并拓宽了“银企直联”的渠道。使D银行以职能为中心的小微企业授信业务管理模式得以转变,初步确立了以流程为中心的生产组织方式,并运用大量篇幅对新流程进行详细介绍。最后,总结了本文的主要研究结论,并为后续的研究预设了方向。小微企业授信业务是银行业普遍关注的一个话题,也是我国商业银行全面提升服务实体经济能力的重要渠道之一。当前,我国的经济体制改革已进入深水区,通过国家层面的分析研判和探索实践,确立了“双循环”的经济发展格局,研究探索商业银行的小微企业授信业务相关问题,从金融视角出发支持小微企业发展,在当前经济形势下极具现实意义。立足业内典型企业的具体业务流程,研讨商业银行小微企业授信业务规模扩容、服务优化的途径,帮助商业银行解决小微企业授信业务运营过程中的共性问题,对银行同业具有一定的参考性和借鉴性。更多还原

【Abstract】 As a saying goes that one after another,waves on waves onward sweep,since China adopted inclusive finance into national strategy planning in the Third Plenary Session of the 18th Central Committee of the Communist Party of China,the research and discussion of topics related to inclusive finance are unfolding.The people from all walks of life in the society offer suggestions in succession.The research on related issues has become more and more in-depth in academic fields.Small and micro enterprises are the key service groups of inclusive finance in China.The research on the issues related to small and micro enterprises should be based on the development atmosphere of inclusive finance in China.With the continuous growth of China’s economic aggregate and the vigorous development of private economy,various subjects that meet the standards of small and micro enterprises has have grown to more than eighty million.The economic output aggregate of the group accounts for more than 60 percent of GDP,where half of the national taxes are paid and 80 percent of employment demand nationwide is ensured,so the development of small and micro enterprises is of great significance to the stable operation of China’s economy and society.As an important way for commercial banks in China to serve entity and trace to principal,the credit business of small and micro enterprises,which belongs to the category of inclusive finance,is a topic of general concern in the financial industry.Under current economic situation,it has become common sense in this industry to assist the development of small and micro enterprises with financial support.In recent years,China’s commercial bank has been facing multiple tests such as structural transformation of national industry,new normal of Chinese economy and interest rate marketization.In addition,due to the strong impact of epidemic in recent two years,the asset quality has generally declined and the growth of industry profitability is weak.Especially in the northeast of China where D bank is located.In recent years,by advocating the development concept of "strengthening retail,refining inclusive finance,leading by technology and taking risk control the first place",D bank promotes inclusive finance to a strategic height.From the perspective of customer satisfaction,found that there are many problems in credit business process in D bank.In view of this,from the perspective of the optimization of business process,the research will discuss the root problems and optimization scheme of the credit business of small and micro enterprises in D bank.First,starting with the research analyzes its era background.It shows the topic and objective,from the perspective of many challenges and practical need for D bank.It introduces both its theoretical significance from macro perspective,and its practical significance based on the research object and the current situation of the industry.Taking the research route and methods planned by this research as the guide,the research summarizes the previous theoretical research and application results through literature research and explains the ways of business process reengineering and the core thought of lean management theory to provide a theoretical basis for the research.Next,the research summarizes the basic situation of D bank and its market positioning of inclusive financial business,the research introduces the current business process in D bank in detail.Combining with the investigation result,the research analyzes the problems existing in the business process of D bank at this stage and the deep-seated causes of relevant problems.Then,combined with the internal and external resources and environment of D bank at the present stage,the existing business processes are deeply analyzed by using business process reengineering theory and lean management theory to divide the core sub processes and non-core sub processes.On the premise of meeting the regulatory requirements and performing due diligence,it greatly shortens the length of the overall business process and significantly reduces the number of posts and operators involved in the process by adopting parallel,deletion,reorganization and other means.The process traction mechanism has been improved to make the business process turn from the mainstream under the necessary "notice and reminder".On this basis,the human resources involved in the process have been reconfigured,and the channel of "direct connection with bank and enterprise " has been widened.It has transformed credit business management mode of small and micro enterprises of D bank centered by function,preliminarily established the production organization mode centered by process,and used a lot of space to introduce the new process in detail.Finally,it summarizes the main research conclusions of this research,and presets the direction for the follow-up research.The credit business of small and micro enterprises is a topic of general concern in the banking industry,and it is also one of the important channels for China’s commercial banks to comprehensively improve their ability to serve the real economy.At present,China’s economic system reform has entered the deep-water area.Through analysis,judgment,exploration and practice from national level,China has established a "double circulation" economic development pattern,studied and explored problems related to the credit business of small and micro enterprises of commercial banks,and supported the development of small and micro enterprises from a financial perspective,which is of great practical significance in the current economic situation.Based on the specific business processes of typical enterprises in the industry,this research discusses the ways for credit business to expand scale and optimize service of small and micro enterprises of commercial banks,and helps commercial banks solve the common problems in the operation of credit business of small and micro enterprises,which has a certain reference for banks.更多还原