The Standardized Design Of Credit Process Of Rural Credit Cooperatives Of Shandong

Foreign banks continued to enter the Chinese financial market Since China's accession to WTO, although many of them in the financial crisis took a serious beating, but their management level and service level are beyond the reach of China's banking sector. They have been greatly improved the regulatory standards through the lessons of the financial crisis, over time, the majority of China's financial market will be occupied by foreign banks. For the open era, blindly stick to stereotypes can only be marking time, and build "process bank" may be an effective way to catch up with the leaders. The rural credit cooperatives is a special member of Chinese financial institutions, the quality of its operations has a remarkable sense on the Chinese rural economic development. As the important role and the similarity of credit business in the banking system, the credit business process reengineering of the rural credit cooperatives has become the effective way to improve the core competence of China's rural credit cooperatives.In the credit process reengineering study of the rural credit cooperatives in Shandong Province, this article firstly use the process program analysis methods of IE to analyze the problems of the existing credit process, and in the analysis process risk control has always been a basic principle. Then through 5W1H questions methods and ECRS principles this article asks questions and gives the corresponding solution. Finally, according the solution this article does the standardized design in order to improve the service quality and core competence. Since then, the article continues to explain the implementation process of the standardized process, including the demonstration of the standardized credit process, the preparation phase of process reengineering, the implementation phase and the continuous improvement stage.This article aims to enable the rural credit cooperatives of Shandong to have the process bank philosophy, and uses the standardized, specialized and pipeline practices to establish the batch credit process, it will make the positions of the credit process as the production processes on the assembly line. Through the organic combination of various aspects of the process, forming the unity of business operations, it is beneficial for improving the business efficiency and reducing the operational risk.