Research On Business Process Optimizing Of The Credit Factory Of FICGC

Recent years,China’s small and medium enterprises from all aspects of the scale,the impact and economic benefits achieved grand success in the development, topromote the development of China’s economy into faster and better roads have madeoutstanding contributions. It also eased the pressure on employment, for themaintenance of social stability has played a positive role. Therefore, in order tofurther the rapid development of SMEs, the national advocate in the financial servicessector of various financial institutions to provide financial support for SMEs.Development of client objectives and focus of major commercial banks and guaranteeagencies have been transferred to the SME credit business. SME credit business hasbecome a major financial institution for new profit growth point.Therefore, the core issue of SME credit business management is how to form aunique way of doing business in the SME credit business is so fierce competition towin the market and customers. But a "level effect":"high threshold" and endogenousfactors exogenous factors triggered the "low attractiveness", are making all kinds ofsmall and medium enterprises have been shut out of financial institutions, hasseriously hampered the small further development of enterprises. And there are manyproblems began to be accepted even after the beginning of operations of financialinstitutions, because in order to play a role in preventing moral hazard, our financialinstitutions are beginning to adopt the basic loan approval separation system. But thecredit business process design across a number of departments and a number ofpositions, namely:"Process for the organization depends."-Contains both theorganizational structure of the lower layer, and divide the front, middle and back office operations, This process design aspects too, leading to long cycle, lowefficiency, the formation is everyone’s responsibility, shared responsibilities ofvarious departments of the situation, but the practical application is shirking ofresponsibilities between the various departments, not only failed to achieve thedesired The risk prevention, but delayed the development of business, reducing thecloseness between the customer.When caught in the SME financing "bottleneck", many financial institutions tothe needs of SME credit "short, frequent, urgent" characteristics, have launched a newbusiness model, in order to the country in the environment favorable policies andrevitalize SME financing market, to seize the high ground of a new round of profit, sothe "credit factory" model not only provides a guideline for the development of smalland medium enterprises to solve the financing problem, but also for the sustainabledevelopment of all types of domestic financial institutions to provide a certain degreeof theoretical in accordance with. As an active explorer of the world’s advanced modeof financing-Singapore’s Temasek Holdings Ltd, first developed a mass productionof the SME credit financing model, namely "credit factory" model, designed to seekthe benefits and risks are not lending to SMEs The meeting point of symmetry, so thatall financial institutions in a controlled risk premise, easier access to credit to provideefficient and quick way of financing for SMEs.This article is based on Singapore’s Temasek Holdings Ltd. subsidiary in China-Fullerton financial security, from both theoretical and practical aspects of SME creditbusiness processes were studied. Integrated use of management theory, humanmechanics, banking and other interdisciplinary theory, combining qualitative andquantitative methods, the use of internal diagnostics, etc., background and operationalprocesses from the "credit factory" model produced cut, Fullerton financial guaranteefor adoption Development Status "credit factory" model and the cause of the problemand the problems that exist in the process carried out in-depth analysis, so that "credit factory" model of process optimization methods and its safeguards.