国有商业银行贷款业务流程的理论分析与现实构想

业务流程再造是对现有流程和体系结构的变革,目的在于提高经济运行效率。本文通过对我国国有商业银行贷款业务流程现状的分析,借鉴国外商业银行贷款业务流程的设计,提出我国商业银行贷款业务流程再造的原则,即必须坚持“扬弃”的原则、坚持精减流程的原则、坚持整体设计、分步推进的原则及坚持激励约束配套的原则。在具体运作过程中,应按照不同客户类别分别授权,通过数据清理,分步建立风险评价模型,由不同级别的风险经理与客户经理负责不同种类的客户,最终实现贷款业务的高质、高效审批管理,重构国有商业银行的贷款业务流程。

A Theoretical Analysis of Loans-Extending Business Process in State-Owned Commercial Banks and a Realistic Design

Business process reengineering is aimed at improving economic efficiency by changing the existing process and structure.In this paper,an analysis is made of the present loan-extending business process in our state-owned commercial banks and a reengineering principle that draws on the business process design of commercial banks in other countries is proposed.According to this principle,we should develop what is good and discard what is bad,stick to the principle of streamlining,stick to holistic design and gradual progress as well as the principle of incentives supported by restraint.In practice,we should delegate different power to customers under different categories,establish a risk appraisal model through data sorting and put risk managers and customer managers at different levels in charge of their respective customers and finally exercise high-quality and efficient management over examination and approval of loan business and reengineer the loan-extending business process of state-owned commercial banks.