The Improve Project Planning And Control Research On Credit Facility Plan Of Small Business Customer,Postal Savings Bank ShenYang Branch

In the developed countries or developing countries, small business to the important role of economic development and maintaining social stability, since the implementation of the comprehensive reform and opening-up in China, the domestic medium and small businesses to reach sixty percent of the total economic output value and profit tax, also provide more than seventy percent of the population in cities and towns with the opportunities of employment. But in recent years, the small enterprise financing difficulties, to become the "bottleneck" for the further development of national economy, how to accurately and effectively release the bank credit funds, support small businesses, the bottom of the recovery become unable to bypass the bank is faced with a proposition.This paper analyses the problems of small business customers credit scheme,management aspects including face financing difficulties, the shortage and the high cost of management problems; Credit policy, including credit structure is single,small businesses as the name suggests is small, the number of employees and less funding is very limited, the whole society for its products and services also has a relatively fixed demand, this determines the small businesses will be limited in certain industries; Small-business loans operation efficiency is low, from the loan application accepted to make loans in place as many as a dozen link, many jobs is involved and there is a cross, in under the influence of the structure, the loan process will be extended; The principle of caution and imperfect internal control system and the degree of sector specialization. The present stage to develop the small business credit business of the external environment is loose, the emerging local marketcompetition pressure, risk prevention and control effect, at the same time credit scheme content needs revision. Thus post office bank shenyang branch to carry out the small business customer credit scheme improvement project, the project plan from February 2016 carried out, at the end of 2016, and completed before the next year on January transfer of training, focusing on the study of the project plan and control management link, in the project application basic principle and method of project management, from the basic theory of project management, the first is to find the existing problems, project members speak freely, to blow the ideas of the storm, to a reasonable work breakdown of project work, second set corresponding working group,including the system of scheme analysis group, revision, the promotion of the pilot group, handed over to the training and coordination of security groups. Again according to the schedule to complete the corresponding work, to ensure the progress of the project schedule for phased inspection and management, the guarantee on the running of the project, the project management, organization management and quality management is analyzed, and put forward a balance matrix organization structure,which has solved the traditional organization structure unclear responsibility divided the kop problem, use of total quality management(TQM), improving the quality of project completion. In conclusion, this paper does research in theory and practice of post office bank shenyang branch small business customers’ credit management improvement projects play an important guiding significance. At the same time, this project involving the post office bank listed on the led war and under the background of interest rate liberalization, credit business transformation and upgrading of the development of the important component, is also I as members of the project planning and participate in one of the most important project.