摘 要

大连农村商业银行是由农村信用社改制成立的一家股份制商业银行,多年来一直秉

承“扎根农村,服务三农”的经营宗旨,积极为农民和农村中小企业提供信贷服务,是

农村金融的主力军。近年来,随着多家商业银行在农村设立分支机构以及村镇银行和小

额贷款公司等新兴农村金融机构的异军突起,同业竞争日趋加剧,曾经在大连农村金融

市场上占有绝对优势的大连农村商业银行面临前所未有的竞争压力。如何提高核心竞争

能力来应对其他金融机构的挑战,是大连农村商业银行当前急需认真解决的问题。

公司信贷业务是大连农村商业银行目前经营的核心业务,公司信贷业务流程的效率

对于大连农村商业银行巩固和拓展优质客户群体、提升核心竞争力和防范控制风险能力

至关重要。因此,改变传统的经营理念,学习和借鉴国内外商业银行的再造经验,建立

科学合理的以客户为中心的公司信贷业务流程,有效满足客户的需求、提升信贷服务水

平,是大连农村商业银行应对挑战和竞争的必然选择。

本文以大连农村商业银行为研究对象,综合运用业务流程再造的理论、方法和技术,

对其公司信贷业务流程再造进行研究。

首先,通过介绍论文的选题背景和研究意义,概括性地回顾了国内外对业务流程再

造和银行再造的相关研究文献,从而提出了本文的理论研究方法及主要内容。

其次,通过问卷调查法、访谈法等方式对大连农村商业银行现有公司信贷业务流程

各个环节进行了诊断,根据诊断结果对公司信贷流程中的客户申请受理与调查环节、审

查与审议审批环节、贷后监控管理环节进行了系统的、详细的再造设计,建立了客户营

销和产品设计流程,简化了调查、审查、审议、审批环节流程,建立了贷后风险预警管

理流程,在有效提升流程运行效率的同时也提高了信贷风险防控能力。

最后,为保证再造后的公司信贷业务流程的顺利实施,本文制定了实施公司信贷业

务流程再造的配套措施,预测和分析了再造后新业务流程的预期效果,突出了新流程的

优点。

本文试图为大连农村商业银行公司信贷业务流程的进一步完善与发展提供较好的

理论指导,因此,也希望对其进一步细化公司信贷管理具有一定的借鉴作用。

关键词:商业银行;公司信贷;业务流程再造

大连农村商业银行公司信贷业务流程再造研究

Research on credit process reengineering in Dalian Rural Commercial

Bank

Abstract

Dalian Rural Commercial Bank (DLRCB),incorporated from Dalian Rural Credit Union

is a stock enterprise. Over years it has been undertaking the Operating principle of settlling root

in the countrysideand supporting agriculture, farmer and rural area over years. As the main

force among rural finance, DLRCB offers credit service for agriculture and farmer. In recent

years, DLRCB who had absolute advantage in rural finance market faces unprecedented

competitive pressure with flowing of other commercial banks, village banks and micro-credit

companies. How to respond to these challenges and how to improve core competence is a

matter of great urgency.

Business credit is the core operation for DLRCB. Credit process plays a crucial role in

sustaining clients, promoting core competitiveness and preventing risks. Business process

reengineering (BPR) is inevitable for DLRCB by changing traditional model and using

experiences from other commercial banks domestic and abroad as reference. Client-oriented

BPR meets requirements efficiently and improve credit services. Taking DLRCB as the

research subject, multiply utilizing BPR theory, measures and techniques, the paper

studiesBPR in DLRCB. The paper presents its background, importance by reviewing

documentary on BPR and bank reengineering at home and abroad. It introduces BPR rules,

outline, measures and techniques. Thus it puts forward theoretical method and focus.

According to questionnaire and interview about credit process sections, systematic and

thorough reengineering is established mainly on application acceptance, review, approval and

supervision. Customer marketing, products design and risk early warning after loan sections are

set up. Review, investigation and approval sections are simplified. Thus efficiency gets

improved and risk prevention and control promoted.

To guarantee reengineered business process gets smooth implementation, supporting

measures are drew up. And predictive analysis on new process is made in this paper. BPR

advantages get prominent.

The paper intends to provide theoretical guidance for business credit process improvement

and promotion in DLRCB and offers reference for refined business credit management.

Key Words: Commercial bank; Business credit; Process reengineering

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