本科论文摘 要互联网时代，网络银行兴起，第三方支付平台迅速发展，商业银行信贷业务盈利能力进一步下降，现有的信贷业务流程难以满足市场和竞争的需求，信贷业务流程再造迫在眉睫。通过业务流程再造，挖掘潜在利益，提升银行核心竞争力，具有重要意义。本文以信贷业务流程再造为重点，分析现有业务流程的缺陷，结合国内外银行的先进经验，提出了商业银行信贷业务流程再造方案。关键词：商业银行，信贷业务流程，再造研究本科论文AbstractIn the Internet era, with the rise of network Banks and the rapid development of third-party payment platforms, the profitability of commercial Banks' credit business has further declined, and the existing credit business processes are difficult to meet the market and competitive demands, so it is urgent to rebuild the credit business process. It is of great significance to explore potential benefits and enhance the core competitiveness of Banks through business process reengineering. This paper focuses on the process reengineering of credit business and combines the advanced experience of domestic and foreign Banks.Key words： Commercial bank，Credit flow，Reengineering research本科论文目 录第 1 章 绪论........................................................................................................11.1 研究背景与现实意义.............................................................................11.2 研究内容与研究方法.............................................................................2第 2 章 信贷业务流称再造的相关理论.............................................................32.1 信贷业务流程再造的理论基础.............................................................32.2 风险价值视角的信贷理论.....................................................................4第 3 章 商业银行信贷业务流程的现状及存在问题.........................................63.1 商业银行信贷流程的现状分析.........................................................
