六西格玛管理在工商银行TZ支行的应用-金融学专业论文.docxVIP

摘 要 随着我国经济的快速发展，金融全球化、自由化程度越来越高，我国金融机 构所面临的竞争日趋白热化。特别是随着入世“过渡期”的结束，国内金融机构 更要直面来自国外金融机构发起的惨烈的竞争，如何快速适应瞬息万变的外部环 境，提高国际竞争力，势必要苦练内功，从完善自身寻找出路。但从目前的国内 金融机构，特别是国有商业银行来看，产品缺乏创新，同质性强；业务流程复杂， 效率不高；客户关注度低，服务质量差；经营模式单一，提高核心竞争力受到局 限。 面对国内外的重重压力和挑战，提高我国银行业的服务质量和服务意识才是 银行生存的根本，因此六西格玛作为一种质量管理方法开始受到高度关注。“六 个西格玛”是一项以数据为基础，追求几近完美的管理方法。 TZ支行是工行北京分行下辖的一级支行，作为一个基层行，TZ支行在近些年 快速发展之后，面临区域人口的迅速扩张、柜面供给压力的日益突出、服务能力 的不进则退，显得越来越力不从心，这些问题都制约着银行的健康快速发展。通 过学习并借鉴六西格玛管理方法，是快速突破瓶颈、扎实提升经营质态的有益尝 试。论文将分为六部分对六西格玛管理的理论体系、国内外先进银行实证典范以 及TZ支行运用六西格玛进行网点标准化建设等几个方面进行论述。 关键词：六西格玛，银行，网点竞争力提升 Abstract With the rapid development of Chinas economy, increasing the degree of liberalization of financial globalization, Chinas financial institutions are facing increasingly intense competition. Especially with the end of the WTO transition period, domestic financial institutions but also to face fierce competition from foreign financial institutions initiated, how quickly adapt to the changing external environment, improve international competitiveness is bound to hard skills, from improving themselves. However, the current domestic financial institutions, especially state-owned commercial banks, the lack of product innovation, strong homogeneity; complex business processes, efficiency is not high; low customer focus, poor quality of service; single business model, improve the core competitiveness been limited. Face many pressures and challenges at home and abroad, to improve the basic quality of service and service awareness is the Bank of Chinas banking industry to survive, and therefore as a Six Sigma quality management approach began to receive attention. Six Sigma is a data-based, the pursuit of nearly perfect management methods. TZ Branch is a primary sub-branches of ICBC. As a grassroots unit, TZ Branch after the recent rapid development of the regions population is facing rapid expansion, incase the supply pressure is increasingly prominent, fall behind service capabilities , has become increasingly inadequate. t