Study On The Credit Process Improvement Of Rural Commercial Banks In H County

In recent years,China's economy gradually increase downward pressure,the traditional economic growth mode shift,the optimization and upgrading of industrial structure,coupled with the interest rate market,financial disintermediation,Internet banking continue to impact,commercial bank loans to invest in the absence of clear,SME loans defaults rise,loan quality declined,banks continue to lower profitability,and many other business challenges,especially in the face of credit risk management aspect severe test.This traditional commercial banking rapid response capability to deal with the new normal,the new situation of the customer's ability to control risk and bank governance put forward higher requirements.Since many of the remaining issues,the current management of credit assets,the majority of rural commercial banks is low,it is relatively extensive forms of management,lack of competitive advantage,the credit business is risk-prone,and the requirements of a modern market economy is far,urgent We need to establish a new normal lending decisions and current,adapt to the new situation,about Bouquet mechanism.This will be H County Rural Commercial Bank,for example,in-depth study of the rural commercial bank credit process management system,mechanism,a careful analysis of the status quo to run its credit process,the use of process improvement reengineering business processes analysis of the line of credit problems and shortcomings,Causes of problems exist and diverted depth profiling studies.Drawing on the basis of domestic and international experience,combined with relevant theory and the actual situation,from the standardization of credit business process management,the establishment of efficient control of risk processes different risk group,set up a professional team to shorten the operational procedures and other aspects of H rural commercial banks raised credit process improvement programs,while further optimization of the organizational structure proposed settings,improve performance assessment and strengthening of incentive,improve human resources to enhance the mechanism to foster a culture of risk,increase the use of information technology and other supporting safeguards.H expect to improve the efficiency of rural commercial bank credit business processes,improve operational efficiency and core competitiveness of the bank,but also hope for other regions to optimize rural commercial banks and rural credit cooperatives credit business processes,providing valuable advice and reference.