Research On Credit Business Optimization Of Changchun Rural Commercial Bank

With the realize of "prosperous career become firm" target in JilinProvince Rural Credit Bank, the increase of financial products, theimprovement of the service function,bills discounting, the emergence ofborrow write down card, financial IC card products,distance betweenmodern commercial Banks and rural credit cooperatives has been narrowed.However the mainstream customer group of rural credit cooperativesdoesn’t pay much attention to these new products, the credit businesswill no doubt continue to dominate the bank’s business development. Tosurvive in fierce market competition environment, strengthening its owncompetitive power and optimizing process have become imperative coreproposition to Changchun Rural Commercial bank. In order to cope withcompetition among banks after the accession to WTO,the informationtechnology revolution,and adapt to rapidly changing businessenvironment,the credit management strategy of Changchun RuralCommercial Bank must accelerate adjustment of business strategy, toimplement the credit business process reengineering and optimization.Having been authorized by head office, how to realize the risk controland sustainable development by adjusting credit structure, operatingmechanism and means of service, preventing risks effectively andoptimizing credit process are key problems to Changchun Rural CommercialBank under the concept of customer centric, market oriented, benefittarget. Hence,this article mainly analyze Changchun Rural Commercial Bankcredit business process each basic steps,and optimizing every detail.Themain content of this article is as follows,first analyzes theinternational financial market environment, secondly introduces thecharacteristics of domestic commercial bank credit business process andanalyze three aspects of the current situation of credit business journey.At the same time, also summarize foreign advanced commercial bank loanbusiness process. Then analyze the present situation of Changchun RuralCommercial Bank loan business process and the existing problems. Finallysystematically propose bank loan business process optimizationmeasures,overall optimization idea, countermeasures and solutions fromfour aspects:participation of main body, credit investigation,loanexamination and approval and post-loan management.I hope this articlewill have substantial benefit to development of Changchun RuralCommercial Bank credit business.