Optimization Of Organizational Structure Based On SME Credit Business

SMEs(small and medium enterprises)are playing more important part of the national economy of PRC. The problem is that it is difficult for SMEs to get loan from banks, however,has hindered the healthy development of SMEs. The cause of this problem is caused due to the characteristics of the small and medium enterprises, and on the other hand,is also due to the problems that exist in the bank industry of PRC.In view of this, we first show the knowledge about technology of loan for SMEs. That is the problem that SMEs are financing difficulties from getting loans, and the solutions from above. Then, we pointed out that the current operation model and the corresponding organizational structure do not meet the demand from SME credit business.On this basis, some typical SME credit business model and organizational structure are introduced. Furthermore, the loan approval rights a11ocated under the influence of soft information as the starting point for the model analysis and proposed organizational structure opt imized point, followed by a case study combined with the authors participated in the practice of management consulting projects Finally, we the propose some reasonable recommendat ions at the posit ion of regulatory authorities...