当今,国内国际金融市场竞争充分、环境多变。国内金融市场在我国加入

WTO后保护期的结束,国内金融市场的竞争格局发生了重大变化,国有四大行

垄断国内金融市场的局面一去无返,境外银行、国内股份制银行、城市商业银

行如雨后春笋悄然遍布。城市商业银行要想在激烈的市场竞争中求得立足生存

之地,强化自身竞争力成为核心命题。

本文从银行业最为核心的信贷业务为着眼点,对信贷业务目前现状进行分

层次剖析,借鉴国内外先进管理理念及模式,根据业务流程再造(Business

Process Reengineer, BPR)的理论,提出城市商业银行信贷业务流程再造的观

点,同时设计构想相应的变革措施。同时本论文以甘肃本土新兴成立的城市商

业银行-甘肃银行为研究蓝本,从信贷业务的流程再造方面展开探讨,在对甘肃

银行信贷业务流程中存在问题进行剖析,同时对比国有商业银行信贷业务申报

审批流程特别是流程优化方面,提出本行信贷业务流程再造方面设想以及与之

配套的改革措施,设计提出优化的授信评审体系和业务审批流程,从组织体系

建立、业务流程梳理、授权管理、信息数据库建设等方面形成完整的流程再造

方案,并提出有效的实施途径与进程跟进,使得优化流程得以接地并可操作。

本文旨在能够为甘肃银行在发展初期就积极主动的探索更有竞争力的操作

模式,以BRP理论为基础,提出落地性较强的信贷流程再造思路及具体措施,

以期实现信贷业务流程再造,有效简化路径,优化实施方案,提髙效率,通过

流程再造为甘肃银行抓住先机、抢占市场提供有效支持,从而提升甘肃银行核

心竞争力。

关键词:城市商业银行;信贷业务;流程再造

Abstract

Nowadays,the financial markets are fully competition between domestic markets and

international markets with changing environment. In fact, China has been end of the protection

period after accessed WTO. The domestic financial market occur major changes with

competitive landscape. In this situation, the state monopoly bank of four has been gone and

without return in China. The others bank is similar springing up all over, such as foreign banks,

city commercial banks, domestic joint stock banks and so on. City commercial banks necessary

to obtain a more profit and benefits. Therefore, the core proposition is strengthen

competitiveness.

The bank focuses on the credit business. Through analysis the credit hierarchical and

urrently operate situation. Besides,learn advanced management models from domestic and

international. Through introduce Business Process Reengineer theory, the purpose advices urban

commercial bank credit conceive and then appropriate reform. At the same time, this essay

introduces local city commercial banks. For instance, Gan Su bank established and explores

aspects of credit from business process reengineering. This bank is presence problems in the

credit issue by analysis and research. Besides,it is comparative domestic commercial bank credit

approval process,especially optimization process; provide information for credit business

processes and appropriate reform Through design credit assessment systems of optimize and

suggest business approval process. The purpose builds five aspects for a complete process

reengineering programs, such as business process streamlining, job responsibilities, authorization

mechanisms and motivation mechanism. At the same time, it provided effective information to

implement and follow the process. The result can prove optimization process and effective

operation.

In this essay,it develops Gan Su bank to create more competitive mode of operation. Through

performs fundamental theory BRP. It provides effectively credit business process and detail to

perform. Besides, it achieves the credit business process reengineering; effective reduce function;

optimizing programs and then improves the efficiency of job. The purpose enhances Gan Su

banks to share the market and achieve the support by process reengineerir^. It enforces core

competitiveness for Gan Su bank.

Ifejr words; City commercial banks; Credit business; Business process reengineer

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