本文選題：流程優(yōu)化 + 個人外匯兌換　； 參考：《吉林大學(xué)》2017年碩士論文

【摘要】：隨著我國經(jīng)濟金融的發(fā)展、國民生活水平的不斷提高,出境旅游、出國留學(xué)等私人跨境活動日漸成為熱門話題。根據(jù)《中華人民共和國國民經(jīng)濟和社會發(fā)展統(tǒng)計公報(2015)》,2015年國內(nèi)居民因私出境人數(shù)達(dá)到12172萬人次,相比2014年增長了10.6%;赴港澳臺出境8588萬人次,相比2014年增長了4.4%。據(jù)國家統(tǒng)計局?jǐn)?shù)據(jù),2014年我國出國留學(xué)人員達(dá)45.98萬人,較上年增長11.1%。隨著出境旅游、出國留學(xué)的興起,各大銀行紛紛深入出國金融市場,推出各項業(yè)務(wù)和優(yōu)惠活動發(fā)掘個人外匯市場。X農(nóng)商銀行總部坐落于江蘇省蘇南經(jīng)濟較為發(fā)達(dá)的地區(qū),是全國首批組建的股份制農(nóng)村商業(yè)銀行之一,在本地市場擁有著龐大的客戶群體。X農(nóng)商銀行自2002年開始開辦國際業(yè)務(wù),經(jīng)過了十幾年的國際業(yè)務(wù)的發(fā)展,全行國際結(jié)算量在全市的市場占有量位居第五。但是該農(nóng)商銀行國際業(yè)務(wù)主要以公司客戶國際業(yè)務(wù)為主,個人客戶國際業(yè)務(wù)占全行國際結(jié)算量的比例較小。隨著出國金融的日漸火熱,該農(nóng)商銀行希望在向現(xiàn)代零售銀行轉(zhuǎn)型的過程中加強個人外匯業(yè)務(wù)的發(fā)展、進入本地出國金融市場。X農(nóng)商銀行要想加強其個人外匯業(yè)務(wù)的發(fā)展、進入本地出國金融市場,必須要對其現(xiàn)有的個人外匯業(yè)務(wù)進行全面分析,根據(jù)其市場定位和客戶需求重新構(gòu)造其個人外匯業(yè)務(wù)產(chǎn)品及服務(wù)。本文通過對X農(nóng)商銀行現(xiàn)有個人外匯兌換業(yè)務(wù)流程進行分析,指出了現(xiàn)有業(yè)務(wù)流程中存在的渠道單一、流程復(fù)雜的問題。為了提高個人外匯兌換業(yè)務(wù)的效率,提高客戶滿意度,為進入出國金融市場、更好地發(fā)展個人外匯業(yè)務(wù)打好基礎(chǔ),X農(nóng)商銀行需要對個人外匯兌換業(yè)務(wù)流程進行全面分析,再造適應(yīng)當(dāng)前市場需求的業(yè)務(wù)流程。本文通過對X農(nóng)商銀行個人外匯兌換業(yè)務(wù)流程進行全面、系統(tǒng)的分析和論述,為開展研究打下基礎(chǔ);也對現(xiàn)有業(yè)務(wù)流程存在的問題進行分析,提出適應(yīng)市場的業(yè)務(wù)流程,并對將來的業(yè)務(wù)管理提出建議。這不僅對該農(nóng)商銀行的個人外匯兌換業(yè)務(wù)流程的規(guī)范、優(yōu)化和提升具有現(xiàn)實指導(dǎo)意義,同時也對其他農(nóng)商銀行在個人外匯兌換業(yè)務(wù)流程的規(guī)范、優(yōu)化和提升具有一定參考價值。
[Abstract]:With the development of economy and finance in our country and the improvement of national living standard, private cross-border activities such as outbound tourism and studying abroad have become a hot topic day by day. According to the National Economic and Social Development Statistics Bulletin of the people's Republic of China, the number of domestic residents leaving the country by private means reached 121.72 million in 2015, an increase of 10.6 compared with 2014, and 85.88 million trips to Hong Kong, Macao and Taiwan, an increase of 4.4 percent compared with 2014. According to the National Bureau of Statistics, the number of students studying abroad reached 459800 in 2014, an increase of 11.1 percent over the previous year. With the rise of outbound tourism and studying abroad, the major banks have gone deep into the overseas financial market and launched various business and preferential activities to explore the individual foreign exchange market. The headquarters of the Agricultural Commercial Bank of Jiangsu Province is located in the economically developed area of southern Jiangsu Province. It is one of the first joint-stock rural commercial banks set up in the country. It has a huge customer group in the local market .X Agricultural Commercial Bank has started to open international business since 2002, after more than ten years of development of international business. The whole bank's international settlement volume in the city's market share of the fifth. However, the international business of the bank is mainly the international business of the company's customers, and the proportion of the international business of individual customers to the international settlement of the whole bank is relatively small. With the growing popularity of foreign finance, the bank hopes to strengthen the development of individual foreign exchange business in the process of transition to a modern retail bank, and to strengthen the development of its personal foreign exchange business by entering the local overseas financial market. In order to enter the local foreign exchange market, we must make a comprehensive analysis of its existing personal foreign exchange business, and reconstruct its personal foreign exchange business products and services according to its market orientation and customer needs. Based on the analysis of the existing business process of individual foreign exchange exchange in X Agricultural and Commercial Bank, this paper points out the problems of single channel and complicated flow in the existing business process. In order to improve the efficiency of personal foreign exchange business and improve customer satisfaction, and in order to enter the overseas financial market and better develop personal foreign exchange business, the Bank of Agriculture and Commerce needs to conduct a comprehensive analysis of the business process of individual foreign exchange exchange. Reengineering business processes to meet current market needs. This paper makes a comprehensive, systematic analysis and discussion on the business process of individual foreign exchange exchange of X Agricultural and Commercial Bank, which lays the foundation for the research, and also analyzes the problems existing in the existing business process, and puts forward the business process to adapt to the market. And put forward the suggestion to the future business management. This not only has practical guiding significance for the standardization, optimization and promotion of the individual foreign exchange business process of the agricultural and commercial bank, but also has certain reference value for the standardization, optimization and promotion of other agricultural and commercial banks in the personal foreign exchange business process.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.6

【相似文獻】

相關(guān)期刊論文 前10條

1 李焱 ,劉崢崢 ,廖宏耀;深圳市首家有形個人外匯市場開業(yè)[J];特區(qū)展望;2001年04期

2 楊永革;個人外匯可終止理財產(chǎn)品[J];中國城市金融;2003年12期

3 胡江力;黑龍江省居民個人外匯結(jié)匯量飚升情況分析[J];黑龍江金融;2004年04期

4 鄭大新 ,王德波;當(dāng)前我國個人外匯收支管理中出現(xiàn)的新問題[J];經(jīng)濟研究參考;2004年15期

5 李念國;;外匯賬戶在個人外匯資金結(jié)匯監(jiān)管中的應(yīng)用思考[J];濟南金融;2006年04期

6 黃萬亮;無錫市的個人外匯調(diào)劑業(yè)務(wù)[J];上海金融;1990年11期

7 金孟侯,劉劍定,章寒鶯;完善個人外匯管理與有效利用個人外匯資源[J];浙江金融;1999年04期

8 張劍宇;匯市平穩(wěn) 收益尤佳的個人外匯兩得存款[J];中國城市金融;2003年08期

9 外匯局浙江省分局課題組;探尋浙江居民個人外匯流入的來龍去脈[J];中國外匯管理;2003年10期

10 徐昕;執(zhí)行《關(guān)于規(guī)范居民個人外匯結(jié)匯管理有關(guān)問題的通知》中遇到的難題[J];中國外匯管理;2004年10期

相關(guān)會議論文 前1條

1 李念國;;外匯賬戶在個人外匯資金結(jié)匯監(jiān)管中的應(yīng)用思考[A];社會主義新農(nóng)村建設(shè)與金融支持學(xué)術(shù)研討會論文集[C];2006年

相關(guān)重要報紙文章 前10條

1 蔣劍平;個人外匯期權(quán)——銀行業(yè)金融創(chuàng)新的新工具[N];中國城鄉(xiāng)金融報;2006年

2 姜麗莎 楊曉光 郝占國 吳松格;加強居民個人外匯流入管理的調(diào)查與建議[N];金融時報;2006年

3 本報記者 喻波 鄭佳吉;新個人外匯政策鼓勵藏匯于民[N];云南經(jīng)濟日報;2007年

4 吳智鋼;我國個人外匯管制應(yīng)適時適度放寬[N];證券時報;2014年

5 記者 李丹丹;部分企業(yè)、個人外匯違規(guī)被通報[N];上海證券報;2010年

6 耿彩琴;居民個人外匯兌人民幣要審核真實性[N];北京日報;2004年

7 《金周刊》實習(xí)記者 張鑫;個人外匯期權(quán)：養(yǎng)在深閨待人識[N];江蘇經(jīng)濟報;2004年

8 金容;個人外匯市場：待掘的金礦[N];廠長經(jīng)理日報;2001年

9 阮奇 本報記者 唐君燕;四處出擊 國際熱錢驚現(xiàn)浙江個人外匯[N];經(jīng)濟觀察報;2005年

10 南軻;規(guī)范居民個人外匯結(jié)匯管理[N];金融時報;2004年

相關(guān)碩士學(xué)位論文 前4條

1 夏夢蘇;X農(nóng)商銀行個人外匯兌換業(yè)務(wù)流程優(yōu)化研究[D];吉林大學(xué);2017年

2 齊波;A銀行個人外匯兌換業(yè)務(wù)流程分析與優(yōu)化[D];河北工業(yè)大學(xué);2012年

3 陳斌;我國個人外匯流動預(yù)警指標(biāo)體系構(gòu)建研究[D];湖南大學(xué);2011年

4 王妍;我國商業(yè)銀行個人外匯產(chǎn)品創(chuàng)新研究[D];華東師范大學(xué);2005年

，

本文編號：1854818