Chinese Commercial Bank Small Business Loan Business Process Optimization

With China’s economic development and people’s living standards improve, commercial banks more and more attention to the development of small business loans business, and has made considerable progress. However, China’s commercial banks in general is still in the traditional business model of micro-credit, micro-credit business processes not yet formed a scientific and efficient, widespread micro-loan business process standards, operating procedures lengthy, inefficient loan processing and other issues, these problems has become an important factor to hinder the further development of the small business loan business.Business process optimization of existing processes and architecture changes aimed at improving the efficiency of economic operation. High quality and efficient management through the analysis of the status of China’s commercial banks micro-credit business processes, learn from foreign commercial banks to micro-credit business process design, put forward China’s commercial banks to micro-credit business process optimization measures, the ultimate realization of the micro-credit business, to establish a standardized, intensive, specialized micro-credit business processes. The purpose of micro-loan business to improve business processes standardized, intensive, degree of specialization and business processing efficiency through business process optimization and further to control risk, improve the quality of credit funds, the reconstruction of China’s commercial banks to micro-credit business processes.