Research On Process Optimization Of Bank’s Micro-enterprise Loan Based On Knowledge Management

The number of China’s micro-enterprises is very large and they provide mostjobs for the society. It has become the main force to promote the development of thenational economy.However, their sizes are small and their management style is not perfect. Most ofthem can’t provide formal financial statements, lack of large machines, and equipmentfor mortgage. So it is very difficult for them to get loans from banks. It is a commonproblem.Now people try to solve the problem mainly from three aspects: from thegovernment, from the banks and from the micro-enterprise itself. Recently thegovernment has taken a number of measures to help small business. In2010, PremierWen Jiabao pointed out in governmental working report that Chinese government willstrengthen the financial support for small and medium-sized enterprises. In2011, theChina Banking Regulatory Commission released on the further improvement of smallbusiness financial services. Banks also has designed some financial products for smallbusiness. Some bank departments are set up to develop micro-enterprise loanbusiness.This paper tries to researches on the improvement of the micro-enterprise loanbusiness process, based on the theories of knowledge management and businessmanagement. Exploring the solution to micro-enterprise financing can give moreprofit to the banks, so it is very important for the banks and micro-enterprises.The main contents of this text are as follows:(1)Proposed a business process optimization model based on knowledgemanagement.(2)Introduced the ARIS architecture to construct process model. (3)Introduced a group cases. The department of micro-enterprise loan wasintroduced into the analysis and could be important to further academic andorganizational practitioners.(4)Presented the process evaluation index based on the Balanced Scorecardtheory that may lead to future research in this area.This paper tries to explore a better way to improve the efficiency of themicro-enterprise loan business process and discover a new way to solve themicro-enterprise financing problem.