Research On Credit Process Optimization Of Small And Micro Enterprises In Liaoning Branch Of Industrial Commercial Bank Of China

With the continuous optimization of the market economy in our country, number of small and micro enterprises has increased year by year, small and micro enterprises has become an important part of the main structure of China’s economy, to promote plays an important role in the development of the economy as a whole. Accelerate the development of small and micro enterprises, which has been widely recognized by the Chinese society, and the financing difficulties of restricting the development of small and micro enterprises increasingly prominent. Small and micro enterprises are characterized by a small size, less profitable, and these characteristics in the eyes of financial institutions are equivalent to a large loan risk. Most commercial banks for small and micro enterprises in the financing of the fear of the loan, cautious attitude, leading to the commercial banks for small and micro enterprises before the loan audit harsh, high loan interest rates, loan procedures cumbersome. In the face of the commercial banks’ loans, the loan expensive, loans and complex problem, small and micro enterprises have to informal financial market inclined, however, this not only increases the financial cost of small and micro enterprises and for the development of small and micro enterprises produce negative influence and improve the potential risk of the financial system as a whole. Therefore, the study of small and micro enterprises to explore the credit process optimization is particularly urgent and urgent. This paper introduces the process analysis and reengineering of business strategy, business process analysis and optimization design focuses on the organization. The analysis method using the combination of qualitative and quantitative analysis, the ICBC Liaoning branch Small and micro businesses credit business process. Through the analysis of small micro enterprise credit business value chain model, defines the key business processes, the factors that influence the interpretation of process optimization, thus put forward the design scheme and security measures of the credit procedure optimization, the main work are as follows:First of all, introduced the current credit Small and micro businesses in the background, analysis of Small and micro businesses in the market economy occupy the important position and the financing difficulties faced by the proposed method in this paper.Secondly, are industrial and Commercial Bank of China Liaoning Branch of the small micro enterprise credit business process of the situation, combined with the characteristics of the existing flow of small and micro credit, focuses on the analysis of ICBC Liaoning branch in the small micro enterprise credit business process existing problems.Third, through the analysis of the value chain model of small and micro enterprises credit business, we define the key business process of the organization, and analyze the problems faced by the key process optimization.Fourth, the main principles of the business process optimization of small and micro enterprises in commercial banks and the optimization design of the key business process are given, and the internal and external security measures are proposed.Finally, the conclusion of this paper is given. Credit business process reengineering is a topic of the bank generally pay close attention to at present, is China’s commercial banks to raise the overall competitiveness of the way, by setting the axis of the credit business time, rational allocation of agency personnel, using intrusive marketing and management ideas, procedures reduction method of decreasing cost and design of self-service loan program system of commercial bank small micro enterprise credit business process optimization, enhance the competitiveness of commercial banks.