Research On The Optimization Of LH Bank Examination And Approval System Of The Small And Medium-sized Enterprises

Since restructured into Hangzhou LH Rural Commercial Bank, LH Bank has been focused on the strategies of differentiation, specification and dispersion, LH bank has conducted drastic reforms and optimization in credit procedures. But the current process optimization is focused on customers’ access to credit, authorization and credit extension, relatively; there is still inadequate innovative approval mode. So for LH Bank, the exploration and innovation of SME financing approval regime optimization is an urgent question to be answered.This article is based on the current situation of Hangzhou LH Rural Commercial Bank credit approval management; it makes an in-depth analysis of operational processes, approval, and authorization mode in less-than-30-million-yuan SME financing and identifies main problems and potential crisis existing in the current bank credit approval of LH. Through comparation and analysis of the credit approval mechanisms of domestic and foreign commercial banks, research of the characteristics of different approval mechanisms and models, this article finds out what can be utilized by LH and helps innovate on credit approval mechanism. By reengineering and optimization of SME financing approval process, a differentiated approval and authorization mode will be established, and credit risk prevention will be enhanced so that customers can be better served in a more prompt manner, and it is conducive to the sustainable development of LH bank credit business and its core competitiveness.