政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/54927

政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/54927

English | 正體中文 | 简体中文 | Post-Print筆數 : 27 | Items with full text/Total items : 113648/144635 (79%)
Visitors : 51682276 Online Users : 591

RC Version 6.0 © Powered By DSPACE, MIT. Enhanced by NTU Library IR team.

Scope

please add "double quotation mark" for query phrases to get precise results

please goto advance search for comprehansive author search

Adv. Search

Home ‧ Login ‧ Upload ‧ Help ‧ About ‧ Administer

Goto mobile version

政大典藏 > College of Commerce > Advanced MBA, NCCU > Theses > Item 140.119/54927

Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/54927

Title:	銀行徵信流程之探討─以C銀行法人金融業務為例 Credit verification process of corporate finance department in banks—take Bank C as an example
Authors:	彭雅蘭 Peng, Ya Lan
Contributors:	林宛瑩蔡瑞煌 Lin, Wan Ying Tsaih, Rua Huan 彭雅蘭 Peng, Ya Lan
Keywords:	PWIO分析方法論銀行業徵信流程 PWIO bank industries credit verification process
Date:	2011
Issue Date:	2012-10-30 14:22:24 (UTC+8)
Abstract:	金融產業內的競爭愈發激烈，新金融商品雖持續推出，但競爭者間於產品本身的同質性也逐漸趨近，此時對於客戶而言，差異化的服務細節即成為廠商競爭優勢形成的重要關鍵。提升銀行服務品質的重要環節之一即來自於其內部作業流程上的精進，故之於法人金融業務來說，若能在產品包裝本身之外，透過徵信流程品質的提升，以兼顧其徵信作業的正確性與效率，可達到快速回應客戶需求的能力要求，創造更精緻的差異化，並強化顧客滿意度。個案公司為國內銀行業主要廠商，其組織規模龐大、各部門分工精細，且對於資訊系統的倚賴度頗深，使徵信流程上難免出現作業繁複拖沓之問題；此外，個案公司法人金融（即企業金融）事業群採徵授信合一制，徵信作業由業務單位發起，輔以眾多支援單位的協同合作，致流程係為一連串人為決策過程所構成，故徵信作業主要權責人員素質的培養亦為影響流程品質的重要因素。本研究運用Tsaih and Lin（2006）所發展之PWIO（Process-Wide Information Organism）分析方法論，來描述與瞭解個案公司法人金融事業群徵信流程，透過實作表的展開以分析流程，並提出相對應之績效衡量指標與改善建議，作為未來個案公司徵信流程改善之參考，期能因此增進個案公司的徵信流程正確性與效率，進而強化其競爭能力，塑造組織長遠的發展優勢。 Competition among banks becomes intensive nowadays. While new financial products launched, less differences could be found in products from bank to bank; therefore, the differentiation of detail-oriented services becomes a key factor for keeping competitiveness in the banking industry. One of the main elements for improving the quality of bank services is the amelioration of internal process. As for the corporate finance department in banks, more than product design itself, making credit verification process better, raising operating validity and efficiency would definitely reach their goals for quick response, and also enhance customer satisfaction. The case bank is one of the leading companies in the domestic banking industry. The scale of organization is huge, the divisions of department are meticulous, and the operation process is deeply relied on the information systems. Under such circumstances, the credit verification process of its corporate finance department has become minute and complicated. Furthermore, the business side takes responsibility for the credit verification process. To execute the process, the business side needs supports from other related departments and does a series of decision making based on personal experiences, which means that it is also an influential factor to train the primary personnel well in the credit verification process flow. This study, based on an application of the Process-Wide Information Organism approach (Tsaih and Lin. 2006), describes and interprets the credit verification process of corporate finance department of the bank. For improving the validity and efficiency of the process, this study intends to set targets and evaluation indicators toward the process flow, and provides suggestions at the same time to enhance the long-term competitive advantages of the bank. 第壹章緒論 1 第一節研究動機與背景 1 第二節研究目的與問題 3 第三節論文架構 5 第貳章文獻探討 6 第一節銀行徵信作業之相關文獻 6 第二節企業流程資訊有機體模式 9 第參章研究方法 14 第一節觀念性架構 14 第二節個案研究流程 16 第肆章個案分析與研究 17 第一節產業概況 17 第二節個案公司描述 20 第三節個案公司現行徵信流程所面臨的問題 28 第四節個案公司PWIO流程分析 34 第伍章個案分析結果 84 第一節 PWIO分析方法論之流程分析結果 84 第二節流程改善建議 90 第陸章結論 99 第一節研究結論 99 第二節研究限制與後續研究建議 103 參考文獻 104
Reference:	一、中文部份吳淑華，2006，銀行企業授信之信用風險實證分析，國立政治大學風險管理與保險研究所碩士論文俞秀鴻，2008，房貸業務授信流程分析之研究：以某銀行為例，國立政治大學經營管理碩士學程（EMBA）碩士論文袁慧珠，2007，PWIO流程分析模式與ABC成本制度之結合應用─以某製造業為例，國立政治大學經營管理碩士學程（EMBA）碩士論文張智為，2009，企業流程資訊有機體模式之探討─以某外商工作站直銷與經銷為例，國立政治大學商管專業學院碩士學位學程（AMBA）碩士論文黃淑滿，2005，企業流程資訊有機體模式在診斷企業流程之應用及其績效評估─以某公司為例，國立政治大學經營管理碩士學程（EMBA）碩士論文郭和東，2009，企業流程分析及品質成本管理之探討：以A印刷廠為例，國立政治大學商管專業學院碩士學位學程（AMBA）碩士論文陳心澤，2009，應用PWIO於作業基礎成本制度資訊安排之探討─以S個案公司為例，國立政治大學商管專業學院碩士學位學程（AMBA）碩士論文陳衍潔，2011，銀行業基本資料，臺灣經濟研究院產業資料庫陳衍潔，2012，2012年銀行業景氣趨勢調查報告，臺灣經濟研究院產業資料庫陳嘉霖，2006，授信與風險，臺灣金融研訓院陳鋒銘，2008，知識服務型組織的合約訴訟管理流程分析─以A公司法務中心為例，國立政治大學商管專業學院碩士學位學程（AMBA）碩士論文陳麗常，1972，銀行業徵信業務之研究，國立政治大學企業管理研究所碩士論文鄭雅玲，2005，應用企業流程資訊有機體分析方法論於會計師事務所審計業務流程之審視，國立政治大學資訊管理研究所碩士論文中華民國銀行公會會員徵信準則，2010年10月全授字第0990002329A號函修訂，行政院金融監督管理委員會發佈公開資訊觀測站http://mops.twse.com.tw/mops/web/index 行政院金融監督管理委員會銀行局網站http://www.banking.gov.tw/ch/index.jsp 二、西文部份 Earl Babbie. 1998. The Practice of Social Research. Eighth edition. Belmont, California: Wadsworth Publishing Company. Kaplan, R. S. & D. P. Norton. 2001. The Strategy-Focused Organization: How Balanced Scorecard Companies Thrive in The New Business Environment. Boston, Harvard Business School Press. Kaplan, R. S. & D. P. Norton. 2004. Strategy Maps: Converting Intangible Assets into Tangible Outcomes. Boston, Harvard Business School Press. Porter, M. E. 1985. The Value Chain and Competitive Advantage. Competitive Advantage: Creating and Sustaining Superior Performance. New York, Free Press, 33-61. Tsaih, R., & Lin, W. 2006. The Process-Wide Information Organism Approach for The Business Process Analysis. Industrial Management and Data Systems 106 (4): 509-522. Yin, R. K. 1994. Case Study Research-Design and Method Applied Social Research Methods Series. New Bury Park, CA, Sage.
Description:	碩士國立政治大學商管專業學院碩士學位學程(AMBA) 100380002 100
Source URI:	http://thesis.lib.nccu.edu.tw/record/#G0100380002
Data Type:	thesis
Appears in Collections:	[Advanced MBA, NCCU] Theses

Files in This Item:

File	Size	Format
index.html	0Kb	HTML2	616	View/Open

All items in 政大典藏 are protected by copyright, with all rights reserved.

社群 sharing

著作權政策宣告 Copyright Announcement

1.本網站之數位內容為國立政治大學所收錄之機構典藏，無償提供學術研究與公眾教育等公益性使用，惟仍請適度，合理使用本網站之內容，以尊重著作權人之權益。商業上之利用，則請先取得著作權人之授權。
The digital content of this website is part of National Chengchi University Institutional Repository. It provides free access to academic research and public education for non-commercial use. Please utilize it in a proper and reasonable manner and respect the rights of copyright owners. For commercial use, please obtain authorization from the copyright owner in advance.

2.本網站之製作，已盡力防止侵害著作權人之權益，如仍發現本網站之數位內容有侵害著作權人權益情事者，請權利人通知本網站維護人員(nccur@nccu.edu.tw)，維護人員將立即採取移除該數位著作等補救措施。
NCCU Institutional Repository is made to protect the interests of copyright owners. If you believe that any material on the website infringes copyright, please contact our staff(nccur@nccu.edu.tw). We will remove the work from the repository and investigate your claim.

DSpace Software Copyright © 2002-2004 MIT & Hewlett-Packard / Enhanced by NTU Library IR team Copyright © - Feedback