摘要
摘要
近年来，市场利率化和金融脱媒，使公司客户融资渠道拓宽，金融科技发展让金
融科技公司、互联网民营银行加入竞争，使得商业银行对公业务竞争日益激烈。中小
银行在竞争中尤其要以提升效率和对风险的精准把握作为提升对公信贷业务竞争能力
的关键。如何通过改进对公业务信贷流程来提高效率和质量，是本文研究的主要问
题。本文通过对 C城商行对公信贷业务流程提出改进方案，监测初步实施效果，认为
方案具有一定成效，为同类中小银行提供参考。
本文以 C城商行对公信贷业务流程改进这一事件为对象展开研究，利用流程再造
和开放银行的相关理论，结合目前金融科技和开放银行发展现状，在总结现有文献研
究和实践的基础上，提出流程改进的具体方案，并制定保障措施和实施步骤，确保方
案的有序进行。实施后持续跟进改进效果，对后续对公信贷业务流程改进和变更的方
向，从开放银行的角度提出新的观点。
研究发现，C城商行存对公信贷流程中，存在路径繁复、及线上线下路径不同和
时效性偏低三大主要问题，架构不合理、人员业务能力不足和金融科技应用不够是造
成的问题的原因。C城商行应分步实施的改进方案，优先对架构和流程进行梳理，提
高人员业务能力，加强转授权运用，丰富产品层次来提高效率，更重要的是同步提升
内部系统的科技含量，运用科技提升效率的和质量，最后逐步实现向开放银行转型，
完成对公信贷业务流程的重塑和再造。
关键词：流程再造，开放银行，对公信贷业务流程
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西北大学硕士学位论文
ABSTRACT
Over the past several decades, the market interest rate marketization and financial disinter-
mediation have widened the financing channels of corporate customers. The development of
financial technology has allowed financial technology companies and Internet private banks
to join the competition, and this situation cause more and more competition between
commercial banks in corporate bank business than before. In order to do that, the key point is
to know that how to lift efficiency and identify credit risk accurately. The main aim of his
dissertation is to find a way to increase the efficiency and quality by reconstructing the
process of corporate credit business.
This paper takes the case that how C City Commercial Bank improve its process of corporate
credit business as the research object. The main article uses the relevant theories of process
reengineering and open banking, and produce the solution under the current situation of
financial technology application trend based on summarizing the existing literature researches,
meanwhile, this thesis also poses the measure of safeguard in order to make the plan of
improvement of process went smoothly. And continuously follow up the improvement effect,
and put forward new views on the direction of subsequent corporate credit business process
improvement and change from the perspective of open banks.
It is found that there are three main problems in the corporate credit process of C City
Commercial Bank: complex paths, different online and offline paths and low timeliness. The
causes of the problems are unreasonable structure, insufficient personnel business ability and
insufficient application of financial technology. C City Commercial Bank should implement
the improvement plan step by step, give priority to sorting out the structure and process,
improve personnel's business ability, strengthen the application of delegated responsibilities,
enrich the product level to improve efficiency, more importantly, synchronously improve the
scientific and technological content of the internal system, use science and technology to
improve efficiency and quality, and finally gradually realize the transformation to an open
bank, Complete the reconstruction and reengineering of corporate credit business process.
Keywords: process reengineering, open bank, corporate credit, business process
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