六西格玛法在商业银行借贷流程再造中的应用研究

Research on the Application of Six Sigma Method in the Re-engineering of Commercial Bank Lending Process

近年来,互联网技术发展势头迅猛,以人工智能、大数据、云计算、区块链等为代表的互联网技术给人们生活的各个方面带来了巨大改变。与此同时,互联网技术在金融行业的应用领域不断拓展,互联网运营思维与技术如果能被传统商业银行吸收运用,做到精准挖掘客户需求、创新金融产品和服务,必然能够增加客户和业务量,形成持续性战略竞争优势,在互联网浪潮中站稳脚跟,成功构建智慧银行。运用六西格玛流程再造法,研究商业银行借贷流程的再造,从而在新背景和客户新需求的要求下,顺利完成借贷流程的再造优化,具有一定的实践意义。

In recent years,Internet technology has developed rapidly.Internet technologies represented by artificial intelligence,big data,cloud computing and block chain have brought tremendous changes to all aspects of people's lives.At the same time,the application of Internet technology in the financial industry fields are expanding.If Internet operating thinking and technology can be absorbed by the traditional commercial banks to precisely explore customers’needs and innovate financial products and services,it must be able to increase the number of customers and volume of business,forming sustainable strategic competitive advantages,and leading to a firm foothold in the wave of the Internet and success in building smart banks.Six Sigma process re-engineering method is used to study the re-engineering of lending process of commercial banks,so as to successfully complete the re-engineering and optimization of lending process under the new background and new requirements of customers,which has certain practical significance.