商业银行生命周期质量管理模型实证研究-DPIProceedings.PDF

2018 3rd International Conference on Education and Management Science (ICEMS 2018) ISBN: 978-1-60595-536-0 Empirical Research on the Life-cycle Quality Management Model of Chinese Commercial Banks * Xin YE Xiamen International Bank Building, 8-10 Lu Jiang Road, Xiamen, The People’s Republic of China *Corresponding author Keywords: Life-cycle model, Five steps and four indicators. Abstract. Based on previous commercial bank management practice, the article puts forward the model of life-cycle management measured by efficiency. Take credit granting as an example, the whole process can be divided into five steps: application, assessment, approval, contract signing, and loan withdrawal. The model also establishes the evaluation indicators including: assessment pass rate, approval pass rate, signing ratio and withdrawal rate. The evaluation indicators were chosen to exhibit the efficiency and stability of the internal operation. The article analyzes how the workload and policy guidance affect the efficiency of the credit granting process through regression model. It demonstrates that life-cycle model is conducive to improvement of risk management. The life-cycle model can also be further introduced into other aspects of bank management to improve the overall quality and efficiency of commercial banks. 商业银行生命周期质量管理模型实证研究 叶昕 厦门大学经济学院金融系，厦门，中国 *通讯作者 关键词：生命周期管理；五环四率 摘要：本文在商业银行经营管理实践基础上，提出了以效率为衡量标准的生命周期管理模式。 以授信流程为例，整个流程可分为客户申请、评审、审批、签约和放款五个步骤，在此基础 上建立了推荐率、获批率、签约率、提款率评价指标来监控内部运作的效率及稳定性。本文 运用回归模型分析了工作量、政策导向对授信效率的影响，论证了 “五环四率”有利于风险 管理的质量与效率的提升。五环四率生命周期模型及管理机制还可进一步引入银行经营管理