The Study Of Credit Business Process Optimization Of A Bank

With the reform of the economic structure, the finance market is developing rapidly. As the finance market is becoming more and more well-organized and prosperous, great changes have taken place in operating environment of commercial banks and the competition between commercial banks has become fiercer and fiercer. Especially, commercial banks are faced with great chances and challenges because the new policies for further reform of the finance market and banks. In order to make full use of the limited resources and improve the efficiency of banks’operation and management, the commercial markets have to change traditional ways of operation to reengineer the business process and change the traditional organization structure and business process. Then business banks will find a way to develop stably.Firstly, this paper introduces sorts of business process optimization theories, including domestic and foreign theories on process management, business process reengineering and business process optimization, then resumes business process optimization of banks. Secondly, this article analyses domestic and foreign cases on process optimization and summarize the revelation of these cases. Thirdly, this paper takes the Bank A as an example to analyze Bank A’s business process and try to make some business process optimization:this paper take one chapter to analyze the current situation of A Bank and its business process, and finds the weaknesses in the business process from the aspects of process standardization, combination and efficiency. And this chapter analyzes the reasons of the process weaknesses in terms of organization structure, customer-centered philosophy and performance management. Then this chapter proposes the necessity of the process optimization. The next chapter summarize the principle of A Bank’s business process optimization according to the above analysis to optimize A Bank’s process, which includes optimizing the whole business process, shortening the operating procedure and controlling different risks. At last, this paper puts forwards some supporting measures for A Bank’s business process optimization like organization structure optimization and supporting mechanism.This paper optimize A Bank’s credit process in base of the business process reengineering and optimization theories, learning from domestic and foreign business process reengineering and optimization cases. This paper combines theory with practice to research a better credit process for A Bank and build an integrated credit process. This paper aims to solve problems in the credit process and improve the efficiency, core competence of A Bank, hoping to offer the value countermeasure and suggestion for the practicing of business process reengineering and optimization theories in commercial banks.