Study On The SME Credit Business Process Optimization Of Commercial Bank Based On BPR

With the sustained and rapid development of China’s market economy, the size ofcommercial bank credit asset has expanded rapidly.But China’s commercial banks still currentlyconcentrate their major credit customers on large enterprises and customers, and lack ofattention on small-and-medium-sized enterprises(SME)’ credit services which account for thelarger proportion in the national economy and the growing impact on population. Although theSME credit financing situation has improved overall affected by the relevant national policyguidance and support since2011,it is still not ideal because of the slow recovery of the worldeconomy and other factors. As a major profit growth point of commercial banks and otherfinancial institutions, SME credit business process reengineering will become a necessarychoice of commercial banks to create sustainable competitive advantage.Taking into account the homogeneity of the economic environment in bank and creditoperations, in order to stand out in SME lending business,commercial banks must focus on thecredit business process reengineering to achieve credit business efficiency.With N Bank TianjinBranch set as the object, this paper has made a research into its SME lending business processes.By analyzing its business processes, select their core business processes by using the PriorityMatrix method, and draws its core business processes flow process diagram. Use BPR analysistools diagnosis problems exist in their core business processes, and then re-engineering its corebusiness processes for the problems. Finally,assess the expected results of the establishedprocess reengineering program, in order to achieve the customer-centric recycling target.By proposing the reengineering business processes of SME credit program, the branchguarantees better foothold in Tianjin market and the development of SME credit business on theone hand, it also provides a reference to other commercial banks. It has great significance of thehealthy development of SMEs and to adjust China’s industrial structure of greater efficiencyand service quality to meet the financing needs of SMEs.