银行业监管流程再造研究

重庆大学硕士学位论文银行业监管流程再造研究姓名：钟莉申请学位级别：硕士专业：工商管理指导教师：蒲勇健20060401I110411041104CHQIIABSTRACTAimingtoconstructainformationizedandefficientbankingsupervisionsystem,ChinaBankingRegulatoryCommissionregardsbuildingthe“1104PROJECT”asaveryimportantmeasure.However,itstillremainsadifficultyconfrontedwiththereengineeringoftheinformationizedsupervisionwhenitspecificallycomestotheproblemofhowtoorganicallysyncretizetheITandtheregulatoryprocessandhowtofurthermorestandardizetheregulatoryprocesstomakeitmoreeffective.Therefore,byresearchingbankingregulatoryprocessreengineeringasonepartof“1104PROJECT”,thispapercouldthrowlightsonthepromotionofthesupervisoryefficiencyandrealizationoftheregulatorygoals.Whenreengineeringtheregulatoryprocess,thispaperuseslotsofsystematicrecastofBPRtheory.First,itevaluatesthepresentregulatoryprocessinregulatoryoffices,andfounditiscost,inefficient,low-qualityandunsatisfiedbythecustomers.Secondly,ittriestosystematicallyreengineertheregulatoryprocess.Afterputtingforwardthegeneraldemandthespecificgoal,theprinciplesandtherouteselectionforreengineeringtheregulatoryprocess,itdwellsonthefurtherconstructionoftheframeworkoftheregulatoryprocessreengineering,consistingofthegeneralornarrowsensedredesignoftheregulatoryprocess,thecreationofthequalitycontrolsystem,thereformoftheorganizationalstructure,theperfectionofthepolicyframeandthereconstructionoftheorganizationalculture.Finally,thispaperanalysesthecaseofregulatoryprocessreengineeringinCHQRegulatoryOffice.Inthiscase,itcomestothepresentchoiceandthefuturetrendoftheregulatoryprocessreengineering,anddiscussestheproblemthattheregulatoryprocessreengineeringwillchangewiththetimeandenvironment.TheinnovationofthispaperliesinboththecombinationoftheBPRtheorywiththeadvancedinternationalbankingsupervisionexperienceandthesuggestionfortheframeworkofregulatoryprocessreengineering.Anditspecificallyfocusesonfourparts.First,inreengineeringtheregulatoryprocess,itemphasizesonthediscriminatingsupervision.Withthehelpofinformationization,standardizationandspecializationofregulatoryprocess,thispaper,byconstructingtheinformationpoolandcommunicationsystem,totallychangestheconnectingmodeofregulatorysub-processandstrengthensthesupervisioncooperation.Second,thispaperfocusesontheregulatoryprocess,cooperationalcontrol,evaluationmechanismandhumanresourcesmanagement.ThusitIIIbuildstheregulatoryqualitycontrolsystem,whichshowssomeoriginalityinthisfield.Third,followingtheprinciplesofstrengtheningfunctionalsupervisionandenhancingtransparence,thispaperrebuildstheinternalorganizationbyredesigningtheregulatorypostandespeciallysettingaindependentauditdepartment.Fourth,itcreativelyputforwardtherebuildofregulatoryoffice’sorganizationalcultureinthereengineeringregulatoryprocess,whichmeansaroundtherisk-basedsupervision,promotingthecombiningoftheinformationalculture,qualityculture,teamcultureandregulatoryculture..KeywordsFinance,BankingRegulationandSupervision,ProcessReengineering1111.11.1.111041104“”2003114[32]“”[32]110412243.531.595“”1104110420056—2006121104131.1.21104[22]7019858801996241942%33%150018200186%97.80%[22]70809078.80%31.64%MISManagementInformationSystems9.55%MIS90ERPEnterpriseResourcePlanning70%“”“”110411041411041104BPR1.1.311041.21.2.11104CHQ151104CHQCHQ1.2.21.1161.1Fig1.1StructureDiagramforResearchofBankingRegulatoryProcessReengineering2722.12.1.12003[30][30]20282.1.2·[31]“”[6][8]29“”161719Barth,JamesR.;CaprioJr,Gerard;Levine,Ross“Bankregulationandsupervision:whatworksbest?”[43]2004Zoller,Walter“ResearchingUSregulationofthebankingindustrythroughofficialpublications”[46]2000Kahn,CharlesM.;Santos,JoÃÃoA.C.“Allocatingbankregulatorypowers:Lenderoflastresort,depositinsuranceandsupervision”[44]20051072.2[27]2005“”“210”[29]“19971997[28]1232.3[22]2004.5211ERP[20]2005.4ERPBPRERP[21]2005.5ERPERPERP2.42.4.1[12]12[12]M.T.H.A.L.H.J.“”212[23]3BPR[12]2090·CSC·ProcessFundamentalRadicalBPRBPR[18]DavenportBPRAlterBPRVenkatramanBPRBPRBPRBPRBPR213BPR[15]BPRBPR“”·MichaelPotterValueChainBPRBPR[26]2.4.2214BPRBPRKRAKeyResultAreaITBPR[12][12][12][15][15]BPR3C[15]2.4.3[14]BPRBPR2151998RRSRRSReconfigurableReusableScalableRRSPCICIPIntellectualPropertyIPICIPICIPICICBPR2.4.4[17]216[17]31733.13.1.1“”3.1.23183193.13.1Fig3.1RelationshipofThreeTypesofProcess3.1.33203.23.2.1321ab3.23.2Fig3.2thePostConstitutionSketchMapJoint-stockCommercialBankingSupervisionDepartment322ab3.33.3Fig3.3thePostConstitutionSketchMapRuralCreditCooperativesSupervisionDepartment3.2.23233.43.4Fig3.4theCurrentBusinessProcessStructure3.2.33243.2.43.33.3.13.3.23253.3.3326CAMELROCA3.3.43273.4328110442944.14.1.14.1.2[8][8]430[8]“20004311CAMEL5[25]2[24].4323[29]19971997“”20037ARROWARROWARROW.[27][27]4.1ARROWCAMEL4334.1ARROW[27]Fig4.1ARROWRiskRegulatoryProcessinEngland40[27]1ARROW233874434285388[27]4.1.3WTO1104435199711044.1.4“”“”“”“”“”4.211044.34364.4“”110443753855.111045.1.1110411045.15.11104[32]Fig5.11104PROJECTGeneralFrame5391104136110415402110411045.1.21104541“”5.25.2Fig5.2BusinessProcessTargetsSystem54211045.1.341104“ARROW”5.35435.3Fig5.3Blueprintf