本文選題：郵儲(chǔ)銀行 + 公司結(jié)算業(yè)務(wù)��； 參考：《吉林大學(xué)》2017年碩士論文

【摘要】：近年來,國際金融行業(yè)快速發(fā)展,金融市場(chǎng)瞬息萬變,市場(chǎng)競(jìng)爭(zhēng)愈發(fā)激烈。傳統(tǒng)的經(jīng)營模式已不再適應(yīng)國內(nèi)各大商業(yè)銀行的發(fā)展。尋求新的發(fā)展思路,研究更加高效,更加適應(yīng)當(dāng)今資本市場(chǎng)和客戶多樣化需求的經(jīng)營方法,是在競(jìng)爭(zhēng)中取勝的關(guān)鍵。公司業(yè)務(wù)是銀行核心業(yè)務(wù)之一,在利潤貢獻(xiàn)度上占據(jù)著大部分份額,雖然目前零售業(yè)務(wù)被各大銀行作為重點(diǎn)業(yè)務(wù)發(fā)展,但在未來至少三年內(nèi)公司業(yè)務(wù)仍會(huì)占據(jù)銀行業(yè)務(wù)不可取代的地位,得公司業(yè)務(wù)者得天下。打造高效、合規(guī)的公司業(yè)務(wù)網(wǎng)點(diǎn),提高營業(yè)網(wǎng)點(diǎn)對(duì)公業(yè)務(wù)服務(wù)效能,是商業(yè)銀行在復(fù)雜多變的市場(chǎng)環(huán)境下拓建自身發(fā)展空間的有效方法。業(yè)務(wù)流程在商業(yè)銀行運(yùn)作過程中具有至關(guān)重要的作用,業(yè)務(wù)流程的優(yōu)化改革是提高銀行競(jìng)爭(zhēng)力的核心要素之一。中國郵儲(chǔ)銀行是唯一一家大型國有銀行,36000個(gè)服務(wù)網(wǎng)點(diǎn)遍布城鄉(xiāng),其中公司業(yè)務(wù)網(wǎng)點(diǎn)近4000個(gè),但郵儲(chǔ)銀行開展公司結(jié)算業(yè)務(wù)時(shí)間較短,在對(duì)公結(jié)算業(yè)務(wù)流程上普遍存在流程不規(guī)范、產(chǎn)品缺乏創(chuàng)新力、結(jié)算工具單一、對(duì)于目標(biāo)客戶針對(duì)性較差、業(yè)務(wù)辦理用時(shí)過長、缺乏有效的風(fēng)險(xiǎn)控制管理體系等問題,從而造成目標(biāo)客戶流失。本文首先介紹了郵儲(chǔ)銀行新賓支行現(xiàn)狀,分析了現(xiàn)有公司結(jié)算業(yè)務(wù)流程存在的問題及問題產(chǎn)生的原因。其次介紹公司業(yè)務(wù)流程優(yōu)化方案設(shè)計(jì)原則、方案具體內(nèi)容以及優(yōu)化方案實(shí)施要點(diǎn)和流程優(yōu)化后預(yù)期達(dá)到的效果。最后是對(duì)業(yè)務(wù)流程優(yōu)化方案實(shí)施的保障措施,其中包括方案啟動(dòng)前準(zhǔn)備工作,建立有效的監(jiān)督管理機(jī)制,健全溝通報(bào)告機(jī)制,以及業(yè)務(wù)流程優(yōu)化的風(fēng)險(xiǎn)應(yīng)對(duì)措施等。本文的研究成果對(duì)于郵儲(chǔ)銀行公司業(yè)務(wù)健康快速發(fā)展、服務(wù)效率的提高,風(fēng)險(xiǎn)防控能力加強(qiáng)等方面具有重要的現(xiàn)實(shí)意義,同時(shí)對(duì)于其他銀行公司業(yè)務(wù)流程的優(yōu)化也具有一定借鑒作用。這次優(yōu)化符合郵儲(chǔ)銀行新賓支行戰(zhàn)略發(fā)展需要,也是提升郵儲(chǔ)銀行新賓支行公司業(yè)務(wù)服務(wù)效能的有效方式。
[Abstract]:In recent years, the international financial industry develops rapidly, the financial market changes rapidly, the market competition becomes more and more intense. The traditional business model has no longer adapted to the development of major domestic commercial banks. The key to win the competition is to seek new development ideas, to study more efficiently and to adapt to the diversified demands of the capital market and customers. Corporate business is one of the core business of banks, accounting for most of the profit contribution, although retail business has been developed as a key business by major banks. But in at least the next three years, the company business will continue to occupy an irreplaceable position in the banking sector. It is an effective method for commercial banks to build their own development space under the complex and changeable market environment to create efficient and compliant business outlets and improve the service efficiency of business outlets to the public. Business process plays an important role in the process of commercial bank operation, and the optimization and reform of business process is one of the core elements to improve the competitiveness of banks. The Postal savings Bank of China is the only large state-owned bank with 36,000 service outlets in urban and rural areas, of which nearly 4,000 are corporate outlets. However, the Postal savings Bank has a relatively short time to carry out the company's settlement business. In the public settlement business process, there are many problems, such as the process is not standardized, the product lacks innovation, the settlement tool is single, the target customer is poor, the business processing time is too long, and the effective risk control management system is lacking, and so on. This results in the loss of target customers. This paper first introduces the current situation of the new sub-branch of Postal savings Bank and analyzes the existing problems and causes of the problems. Secondly, it introduces the design principle of the business process optimization scheme, the concrete contents of the scheme, the key points of the implementation of the optimization scheme and the expected results after the process optimization. The last part is the guarantee measures for the implementation of business process optimization scheme, including the preparation work before the start of the project, the establishment of effective supervision and management mechanism, the improvement of communication and reporting mechanism, and the measures to deal with the risks of business process optimization. The research results of this paper have important practical significance for the rapid development of Postal savings Bank's business, the improvement of service efficiency and the strengthening of risk prevention and control ability. At the same time for other bank business process optimization also has certain reference function. This optimization is in line with the strategic development needs of the new sub-branch of Postal savings Bank, and is an effective way to enhance the operational service efficiency of Xinbin Branch of the Postal savings Bank.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F618.3;F832.33

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