Research On The Optimization Of CF Product Line Credit Process Of Changshu Rural Commercial Bank

In recent years,with the rapid development of economy, the market share of the micro, small and medium enterprises is more and more big, and its promoting effect on our country’s economy and its importance in the process of social development is also growing. In order to adapt to this change, the domestic commercial banks began to develop credit business of micro, small and medium enterprises in recent years,so as to adjust the structure of commercial bank’s customers and drive the transition of commercial bank’s credit business. How to seize the opportunity of the development and research the suitable credit model for the micro, small and medium enterprises becomes an important task of the commercial banks.The financial crisis of 2008, hit the world’s financial order and the normal operation of the financial institutions, the world’s most famous commercial Banks have closed down, or even cause the bankruptcy of individual countries. After accession to the WTO, our country banking industry opening to the outside world degree of further deepening, China’s financial industry is currently in a critical period. The current commercial bank credit business is still the main profit source,thus improve the level of commercial bank credit business management is very important. Commercial bank credit approval system, system of perfect on the stability of the entire financial industry plays an important role. How under the new situation to adapt to the new environment, to speed up its own credit approval process optimization and innovation, improve the efficiency of credit approval,perfecting customer manager system, enhance competitiveness, is the only way for the development of commercial Banks, nice and fast. Exist for a long time, the commercial bank credit approval for a variety of problems, including the approvalprocess, examination and approval of inefficient and unable to effectively control and reduce the risk of adverse, collective examination and approval, the power and responsibility is not clear, various sub-branch, too much power.The development characteristics of the micro, small and medium enterprises determine that the traditional credit model does not apply to it. This paper discusses the basic theory of commercial bank credit for small and medium-sized enterprise credit systematically, and combines with the traditional credit mode of commercial banks, discusses the current situation and the problems of three aspects:the traditional credit organization, business process and general programme of credit,and finally puts forwards the new standard —— credit mode of CF product line.I hope that we can give a useful thought to the credit business of rural commercial banks to the micro, small and medium enterprises, and help to put the limited credit resources into the real credit demand.