Research on Credit Business Process Optimization at AB Bank AA Branch

随着我国经济结构转型的不断推进，市场机制不断完善，金融脱媒化和利率市场化迅速发展，银行业的利润增长空间受到挤压，经营压力持续增大。互联网金融、电子商务和移动支付技术的蓬勃发展、外资银行的进入更加剧了银行业的竞争。在日益激烈的市场竞争中，业务流程优化已成为银行提升核心竞争力的必然选择。 本文来源于笔者在AB银行AA分行信贷业务相关岗位的工作实践。本文首先梳理了AA分行现行信贷业务流程，以A企业在AA分行办理信贷业务为例，按流程阶段和从全局到局部的逻辑顺序，使用5W1H提问技术诊断信贷业务流程存在的问题，并运用鱼骨图分析深层原因，提出AB银行AA分行在流程优化时应以客户为中心，在风险可控的前提下...As China’s economic transformation, the market is becoming more and more well-organized. Bank profits rise more slowly and they are facing greater pressure on the operation with financial disintermediation and interest rates liberalization. There's been increased competition in the banking industry with the development of internet finance, e-commerce, mobile payment technology and the entering of ...学位：工商管理硕士院系专业：管理学院_工商管理硕士(工商管理硕士)学号：1792014115068