Research On Optimization Of Business Process Of Personal Credit Center In A Bank Chengdu Branch

In order to speed up the transformation of retail banking, improve personal credit business market competitiveness, realize the combination of business development and risk control, decided to centralize business model for urban personal credit business. This is not just business transformation for bank A to IPO, but also to cope with the needs of the development of domestic Banks and the competition from foreign Banks.While, how to build personal credit business centralized management? First, we have to set up specialized Personal Credit Center(PCC), integrate, optimize, redefine and specify the urban individual credit business related processes, positions and functions, and form a three-dimensional marketing, professional operation, process management, centralized management of personal credit business operation mode, to serve the needs of business development and risk control, and to build a vertical division system, create a foundation of the operation and management platform, to realize the maximization of the asset optimization and competition of personal credit business.And PCC is the main part of centralize personal credit business, focus on management, focus on the physical locations(concentration), examining taking lending by letter review, mortgage registration, accounting, archives management, and post-loan management business, through standardized operations, routing management, the formation of specialization, standardization and intensive management pattern.Peer banks have already established PCC business at present centralized management center, focus on taking examination and approval, mortgage registration, accounting, lending, archives and post-loan management and other business modes, form a specialization, standardization and intensive mode of operation and management, improve business efficiency and promote the risk-control greatly conducive to business development. And Bank A of chengdu branch, is decentralizing the loan process, only a few branches build the relatively centralized model.Therefore, according to the branch PCC business development present situation, adopt PCC centralized management mode, and pilot run PCC by using the personal credit business process, reorganize of the management structure, refine the business mode and system. On the one hand, through centralized management business mode to make our products closer to the market system and marketing strategy, improve the innovative consciousness and applicability for the service.On the other hand, through the intensive operation mode on the back-end of branches to strengthen the capability of marketing, improve the efficiency of credit and approve business operation, improve the risk control ability of PCC business.This paper uses the branch of bank A in Chengdu city of Sichuan province as a case study object, through the centralized operation process before and after the contrast, analyze of existing problems in the process of research, optimize the core business processes, design a set of suitable for Chengdu branch PCC business development process, not only just improve the efficiency of the business, satisfy the market needs, but also prevent business risks effectively, improve the core competitiveness for PCC. At the same time, use the actual running date to prove the results.