文档介绍：设银行个人住房贷款业务流程再造原则,围绕再造的原则,提出了再造的目标——建立顾客导向型的业务流程,提高客户满意度;建立运行流畅、反应迅速的业务流程,提高业务处理能力和办理效率;建立有效进行风险控制的业务流程,提高资产质量。同时说明了业务流程再造的每个步骤。本章第三节提出了业务流程再造的对策——建立前端分散、中后台集中的伞形经营模式下的业务流程。伞形经营模式解决了业务前端受理狭窄问题,同时通过对中后台的集中经营实现了集约经营和强化风险控制。在伞形经营模式的基本框架下,通过优化岗位设置、实现评分卡下的电子审批、开发运用流程管理系统和建立科学的绩效评价体系,建立起一套全新的个人住房贷款业务流程。本章第四节提出了加强业务流程再造相关制度建设的意见。论文第三章以建设银行下属G分行的再造案例进行了实证分析。具体阐述了业务流程再造的具体实施过程、取得的实施效果以及值得总结的经验。【关键词】建设银行个人住房贷款业务流程再造 Abstract As the mercial bank running the personal housing loan business inChina inthemid 80’Sof the lastcentury,the Construction Bank has gained richexperience from thetwo essive business processes respectively under decentralization and Construction Bank ismy research obj ect tOfind a solution mercial banks to establish abusiness process of the personal housing loan which could adapt to the market,meet client requirements,speed up business efficiency and improve ability,after thestudy ofproblems inthebusiness process with thetheojry+“’ of Business Process Reengineering(BPR). Inthepaper,Chapter I describes the history and current situation of thepersonal housing loan business of theConstruction are four stages from the beginning are germination period,adjustment period,growing period and expansion , theConstruction Bank has taken the lead in the personal housing loan business mercial banks afteryears , characteristics andmain problems ofthetwo differentbusiness processes ofdecentralization and centralization indifferent stages are explained business process of decentralization was not thereal business process ofpersonal housing loan foritbore the stamp of wholesale loan business the turn of the century,the Construction Bank started toprobe thebusiness process of personal housing loanincluding setting up thepersonal housing loan center and creating thebusinessprocess thisprocess atthattime, l the business position