1 分类号，F832.35 学校代码，10697 密 级，公开 学 号，201732025 硕士专业学位论文 Dissertation for the Professional Degree of Master 秦农银行 A 支行公司授信业务流程优化研究 学科名称，工商管理 专业学位类别，工商管理硕士 作者，王伟力 指导老师:任保平 西北大学学位评定委员会 二○一九年西北大学学位论文知识产权声明书 本人完全了解西北大学关于收集、保存、使用学位论文的规定。学校 有权保留并向国家有关部门或机构送交论文的复印件和电子版。本人允许 论文被查阅和借阅。本人授权西北大学可以将本学位论文的全部或部分内 容编入有关数据库进行检索，可以采用影印、缩印或扫描等复制手段保存 和汇编本学位论文。同时授权中国科学技术信息研究所等机构将本学位论 文收录到《中国学位论文全文数据库》或其它相关数据库。 保密论文待解密后适用本声明。 学位论文作者签名， 指导教师签名， 2019年 5 月 20日 2019年 5 月20日 --------------------------------------------------------- 西北大学学位论文独创性声明 本人声明，所呈交的学位论文是本人在导师指导下进行的研究工作及 取得的研究成果。据我所知，除了文中特别加以标注和致谢的地方外，本 论文不包含其他人已经发表或撰写过的研究成果，也不包含为获得西北大 学或其它教育机构的学位或证书而使用过的材料。与我一同工作的同志对 本研究所做的任何贡献均已在论文中作了明确的说明并表示谢意。 学位论文作者签名， 2019 年 5 月 20 日摘要 I 摘要 银行是我国金融行业发展的基础，是社会经济发展的重要力量，特别是在当前的“一 带一路”的战略背景下，商业银行围绕服务地方企业、针对小微企业开展授信业务，2017 年以来，国内商业银行对公司授信业务的总量大幅增加，授信比重在所有业务总量中占 45%。随着业务的广泛开展，商业银行对小微企业的授信业务风险也表现的更加突出。 在新的金融环境下，商业银行如何做好公司授信业务，一方面是要优化授信评审的流程， 主动规避风险，在现有的业务策略基础上实现差异化、个性化和制度化的营销。另一方 面是要优化公司授信业务流程，加快制度创新和产品创新，从而来提升商业银行的市场 竞争力。另外，提升银行公司授信业务的综合能力，这也是商业银行降低市场风险、实 现制度化运营等创新营销能力的主要路径。 本文首先是介绍了商业银行公司授信业务的主要概念、基本的理论，本文研究所应 用的理论工具，针对国内外的研究现状做了基本的论述，在总结前人研究经验的基础上， 提出了本文的研究方向和主要的研究问题；其次是根据秦农银行 A 支行公司授信业务的 现状，分析了该行公司授信业务的主要做法，取得成效以及不足。在具体的问题分析层 面，本文就该行公司授信业务中存在的微观问题进行了剖解，如，授信流程繁琐、授信 决策速度较慢、授信业务与市场贴近程度较低、评审周期长、审批效率低下等。从该行 目前公司授信的内外部环境分析、行业环境和竞争对手的比较分析等角度分析了问题的 产生原因，其后以数值分类提取和构建模型等方法导入定性和定量分析，针对秦农银行 A 支行公司授信业务流程进行优化。指出了该行公司授信业务流程优化的驱动因素、创 新思考、比较优势，并根据定性分析提出了定量分析，通过模型构建和方案设计提出了 问题解决的思路和设计方案的实施途径。最后，本文从企业文化、组织结构、人力资源、 优化授流程技术等多个层面提出了秦农银行 A 支行公司授信业务流程优化方案实施的 若干对策。 关键词，公司授信，评审流程，风险管理，周期长，建议对策西北大学硕士学位论文 II ABSTRACT Commercial banks are the foundation for the development of China's financial industry and the important force of social and economic development. Especially under the current strategic background of one area and one side, joint-stock banks carry out credit business around serving local enterprises and small and micro enterprises. Since 2017, the share of domestic shareholding banks has greatly increased to the company's credit business, accounting for 45% of the total business volume. With the extensive development of business, the credit risk of joint-stock banks to small and micro enterprises is more prominent. Under the new financial environment, how to do a good job of corporate credit business for joint-stock banks, on the one hand, is to optimize the process of credit evaluation, take the initiative to avoid risks, and realize differentiated, individualized and institutionalized marketing on the basis of existing business strategies. On the other hand, optimizing the credit business process of the company, speeding up the system innovation and product innovation, so as to enhance the competitiveness of the joint-stock banks and enhance the ability of the bank companies to grant credit business, are the main paths for joint-stock banks to reduce market risks, achieve institutionalized operation, develop customer manager system, product manager system marketing system and other innovative marketing capabilities. Firstly, this paper introduces the main concepts and basic theories of corporate credit business of commercial banks, the theoretical tools used in this study, and makes a basic exposition of the current research situation at home and abroad. On the basis of summing up the previous research experience, this paper puts forward the research direction and main research issues; secondly, according to the present situation of the credit business of A Branch of Qinnong Bank. This paper analyses the main practices of the bank's credit business, and the achievements and shortcomings. At the level of specific problem analysis, this paper dissects the microcosmic problems existing in the company's credit business, such as: cumbersome credit process, slow credit decision-making speed, low degree of closeness between credit business and market, long review cycle, low efficiency of approval and so on. This paper analyses the causes of the problems from the aspects of internal and external environment analysis, industry environment and comparative analysis of competitors. Then, qualitative and quantitative analysis is introduced by numerical classification extraction and model building to optimize the credit business process of A Branch of Agricultural Bank of Qin. This paperABSTRACT III points out the driving factors, innovative thinking and comparative advantages of the bank's credit business process optimization, and puts forward the quantitative analysis based on qualitative analysis. Through the model construction and scheme design, it puts forward the idea of problem solving and the implementation way of the design scheme. Finally, this paper puts forward some countermeasures for the implementation of the company credit business process optimization scheme from the aspects of corporate culture, organizational structure, human resources, optimization of the process technology and so on. Keywords ， company credit; review process; risk management; long cycle; suggested countermeasures西北大学硕士学位论文 IV 目 录 摘要...................................................................................................................................I ABSTRACT......................................................................................................................II 目 录................................................................................................................................IV 第一章 导论...................................................................................................................... 1 1.1 研究背景及意义.......................................................................................................1 1.1.1 研究背景...........................................................................................................1 1.1.2 研究意义............................................................................................................2 1.2 研究思路与方法.......................................................................................................2 1.2.1 研究思路............................................................................................................2 1.2.2 研究方法............................................................................................................3 1.3 本文创新...................................................................................................................3 1.4 框架结构...................................................................................................................4 第二章 相关概念和理论基础.......................................................................................... 5 2.1 相关概念...................................................................................................................5 2.1.1 公司授信............................................................................................................5 2.1.2 信贷配给............................................................................................................5 2.1.3 授信评审流程....................................................................................................6 2.2 理论基础...................................................................................................................6 2.2.1 流程再造理论....................................................................................................6 2.2.2 风险控制............................................................................................................7 2.2.3 授信评审............................................................................................................8 2.3 理论工具.................................................................................................................9 2.3.1AHP 层次分析法................................................................................................9 2.3.2 比较优势理论..................................................................................................10 第三章 秦农银行 A 支行公司授信业务流程现状分析................................................11摘要 V 3.1 秦农银行 A 支行简介............................................................................................11 3.2 秦农银行 A 支行公司授信业务流程现状分析....................................................11 3.2.1 公司授信业务流程概述..................................................................................11 3.2.2 取得成效与不足..............................................................................................12 3.3 秦农银行 A 支行公司授信业务流程存在的问题................................................14 3.3.1 授信环节多导致决策速度慢..........................................................................14 3.3.2 授信评审流程难以贴近市场..........................................................................15 3.3.3 授信周期长造成客户流失..............................................................................15 3.3.4 融资环境差影响客户满意度..........................................................................16 3.3.5 风险管理在授信流程中作用力不强..............................................................16 3.3.6 授信评审流程缺乏策略..................................................................................18 3.3.7 授信流程缺少必要的约束和激励..................................................................18 3.3.8 授信流程不合理对内部控制造成影响..........................................................19 3.4 秦农银行 A 支行公司授信业务流程存在问题因素分析....................................19 3.4.1 金融宏观政策因素..........................................................................................19 3.4.2 内控机制因素..................................................................................................19 3.4.3 行业发展趋同因素..........................................................................................20 3.4.4 竞争力缺乏因素..............................................................................................20 第四章 秦农银行 A 支行公司授信业务流程优化的驱动因素...................................21 4.1 秦农银行 A 支行公司授信业务流程优化比较优势机理....................................21 4.1.1 优劣势比较机理..............................................................................................21 4.1.2 机遇和挑战比较机理......................................................................................22 4.1.3 比较优势矩阵图分析......................................................................................22 4.2 方案实施对策.........................................................................................................23 4.2.1 业务驱动..........................................................................................................23 4.2.2 金融创新驱......................................................................................................23 4.2.3 市场化驱动......................................................................................................24 4.2.4 竞争力驱动......................................................................................................24 第五章 秦农银行 A 支行公司授信业务流程优化的策略设计...................................25西北大学硕士学位论文 VI 5.1 流程优化设计的目标、思路和原则.....................................................................25 5.2 流程优化方案的设计及相关模型.........................................................................25 5.3 秦农银行 A 支行公司授信业务流程优化的策略................................................28 5.3.1 产品创新策略..................................................................................................28 5.3.2 全流程风险管理策略......................................................................................29 5.3.3 客户授信服务策略..........................................................................................30 5.3.4 流程评价与考核策略......................................................................................31 第六章 秦农银行 A 支行公司授信业务流程优化策略实施的保障措施...................32 6.1 组织结构的完善.....................................................................................................32 6.2 银行内部的文化建设.............................................................................................32 6.3 加强人力资源培训.................................................................................................33 6.4 优化银行授信业务流程技术.................................................................................34 第七章 结论与展望........................................................................................................ 35 7.1 研究结论.................................................................................................................35 7.2 展望.........................................................................................................................35