商业银行业务流程再造前风险的评估与规避研究

华中科技大学博士学位论文商业银行业务流程再造前风险的评估与规避研究姓名：方五一申请学位级别：博士专业：管理科学与工程指导教师：蔡淑琴20090429IBPRIIIIIAbstractBusinessprocessreengineering(BPR)hasalreadyheldthespotlightinthereformofbanking.Givenitshighfailurerate,howtoeffectivelycontroltheriskofitbecomesacoreproblemtocommercialbankswhichconsistentlydeterminestheprogressofreengineering.Theresultofresearchindicatedthatneglectingtotakeprecautionsagainsttheriskofpre-businessprocessreengineeringwastheimportantcauseleadingtofailure.Owingtothefact,thispapertaketheriskofpre-businessprocessreengineeringwithourcountrycommercialbankasanobjectofstudying,aimmingatreducingriskofbusinessprocessreengineering,raisingthesuccessrateofreengineering.Atfirst,bymakingcleartheprocessesandcharacteristicsofthecommercialbank,thispaperhavepointedoutthecompositionandcharacteristicsofriskofpre-businessprocessreengineering,goingdeepintotheresearchofinfluencingfactorsandtheireffects.what’smore,thispaperhavepointedoutthearthrosisburnsaofcontrollingofriskofpre-businessprocessreengineering.Thesecond,basedontheanalysisofriskfactorsthatthreatsthesuccessofcommercialbankthispaperputforwardsariskassessmentmodelofBPRincommercialbanksbyusingfuzzyoptions.ThismodelcannotonlyassesstheriskofBPRbutalsoestimatetheoverallbenefitofBPRincommercialbanks.Thismethodisalsoappliedinarealcaseandprovedtobeeffective.ThismodelwhichcombinedtheriskandbenefitprovidesanewriskassessmentmethodandperformanceevaluationmethodfortheBPRincommercialbankofourcountry.Thethird,asanimportantsourceoftheriskofpre-businessprocessreengineering,methodofovercomingandmanagingresistancesofcommercialbanksprocessreengineeringisproposedinthepaper.Followingadeepanalysisofresistancesofcommercialbanksprocessreengineeringincludingitscauses,actionsandperformances,thedissertationdrawaconclusionthattheriskunderlyingmulti-principal-agentrelationshipandtheriskofmulti-roleconflictarethecausesleadingtoresistances.Meanwhile,thedissertationhasstudiedthecharacteristicsanddistributionsofresistancesinthedifferentbuiltcaseofprojectteam.BymakingclearriskattributesofIVprincipal-agentrelationshipandgeneratingmechanismofresistance,throughpracticalinvestigationoncommercialbanks’reengineering,anddiscoveredthatinstitutionalriskofprocessreengineeringpresentsdifferentcharacteristicsanddistributionsonthecaseofprojectteamself-builtandinvited-built.Bymeansofanalysisingtoolofinformationasymmetry,thisdissertationhasalsostudiedthemechanismofprincipal-agentriskandtheapproachtomanageitinthecircumstanceofprojectteaminvited-built,andtheprincipleofinstitutionalriskofmulti-roleconflictinthecircumstanceoftheformerwithabreakthroughofcomplementarityandsubstitutionofworkrole.Atlast,inordertoovercometheriskofdecision-makinginthepre-businessprocessreengineering,methodsofdecision-makingofbusinessprocessreengineeringforcommercialbanksaregiveninthispaper.Bymakingclearthecoredecisionsandtheirnatures,thepaperhasstudiedthemethodstowarddiscerningopportunity,examiningconditions,establishinggoalsofbusinessprocessreengineeringincommercialbanks.Themethodbasedonfuzzycomprehensiveevaluationassessment,themethodofdiscerningopportunityandthemethodofestalishinggoalsundertheprincipalofevadingtheriskandmaximizingexpectedutilityhasbeensetupinthepaper.KeyWords:RiskofPre-BusinessProcessReengineeringintheCommercialBankModelofRiskAssesmentManagementModelsofResistanceintheBusinessProcessReengineeringModelofDecision-makingofRiskAvoidence111.1WTO(BusinessProcessRe-engineeringBPR)Housel“[1]”2090First-starFirst-securityStarBank18[2]70%[3]AMT2[4]1.21.2.1[5][6][6][7][8]1(BusinessAcrhiteetureModel)Misehe[9]21-1ITIT3IT1-12EarlEarl1-2[10]1-243KettingerGrover[11]KettingerIT[13]1-31-354Marchland66Marchland1-4[13]1-4Marchand5Robert.N51-5[14]1-566DavidPaperRuey-DangChangffTheoryLens5[16]1-61-61.2.27Kliem2ITKliem[17]KliemCrowe[18]31-7[19]8华中科技大学博士学位论文流程再造风险的评估方法和评估思路，但其研究停留在一种较为肤浅的定性层面，未就风险的量化评价方法进行深入研究，也没有在提出风险评估思路和方法的基础上继续研究相应的风险规避方法[20]。肖东生对流程再造风险的一般原因进行了分析，指出企业文化、适当的流程再造方法、再造的外部环境、企业人员的参与度等是导致流程再造风险的突出原因，并将流程再造风险分为系统风险和非系统风险2大类，其中外部的不可控制的风险属于系统风险，企业内部因素所致的风险则为非系统风险，指出了非系统风险是风险管理的重点，遗憾的是没有就风险的量化和规避进行深入的研究[21]。罗伟等介绍了业务流程风险管理的原理和方法，对业务流程再造的风险提出了相应对策，指出首先要明晰业务流程再造的风险表现、类型和特征，其次是对不同风险的成因进行分析，在此基础上对风险加以量化，从而确定关键风险和风险控制的对象，但是对于如何量化流程再造的风险以及基于成因如何识别关键风险未能进行深入研究，以致于对风险的评估较为局限，对风险的控制和规避也难于获得实际效果[22]。图1-7BPR和信息集成的风险体系BPR和信息集成的风险体系内部风险内外交叉风险外部风险决策风险文化风险组织变革风险流程选择风险参与者行为风险网络安全风险管理与系统维护风险咨询风险软件开发风险硬件供应商风险供应商风险顾客风险9[23][24]1.2.3Janson2[25]Beshein2BPR[26]Peterson[27]HarringtonBPR[28]BergeyITBPR[29]10Alavi&Yoo[30]Stanton[31][32]IT[33][34][35]1.2.4ChampyAnroudse[36]BPR[37]11Bollenbacher[38]JohnsonScotiabank[39]MotleyPremier[40]Ha11[41]Katherine[42]Bashein[43]Kanin-Lover[44]KatzenbachSmithBPRBPR[45]Silverma212[46]Jeff.Hiatt2[47]S.MarkYoung[48][49]2[50]1.2.5Bollenbacher[51]Rodger[52]13Allen[53]JeffreyZackCSC47[54]CharlotteWingfieldIotchkissDAnne“”[55]Lecuther2[56]Smith[57]1.31.3.1146151-81-81.3.2161.41722.12.1.12-12-1Hammer[58]Davenport[59]Furey[60]Gilmore[61]Fahy,M[62]BPRBPRBPRJ.TengBPRBPR[63]1BPRBPR182BPR34BPRITITARISIDEFBPWIN56BPR[64][65]191232-12-1[66]1