Research On Process Optimization Of Cash Flow Of Credit In Liaoning Branch Of China Postal Savings Bank

Corporate credit business is an important cornerstone of the development of commercial banks,the main source of bank interest income and profits,but also the bank to build solid customer relationships to expand the core business of other businesses.However for the new commercial banks like the postal savings bank started late in terms of company credit business started later than other loan business,but its development speed,risk control ability and yields than other credit business,it is for the new commercial banks such as the postal savings bank's sustainable development plays an important role.Judging from the current situation of the mature commercial bank business process,the research scope of the company's credit business is mainly concentrated in the bank level management and corporate credit business as a whole.However from the practical point of view,it is of practical significance to study and explore the process management of the credit business of the newly established commercial banks.The development of the postal savings bank branch in Liaoning province through ten years of micro finance has made brilliant achievements,but with the increase of the rate of overdue credit risk,and also in the future development of buried a time bomb for the postal savings bank branch in Liaoning province,Liaoning branch fully aware of this,To maintain the existing scale of micro credit business,the development of large and medium-sized enterprise credit business is a strategic change,and to realize its sustainable development.The full text is divided into four part,the main contents of each part are as follows:The first part is introduction.It mainly introduces the background,significance and purpose of the research,and introduces the research methods.At the same time,it introduces the theoretical basis and literature review Introduces the theory and process re engineering theory of value chain optimization this paper mainly uses,and discusses two kinds of theory to optimize the credit process of commercial bank's enlightenment,put forward relevant factors and business process of the influence of process optimization.The second part is to introduce the development of credit business of Liaoning branch,through the comparative analysis of the company's credit business is the most potential development of the provincial branch of the basic business at the same time,this paper introduces the basic process,the credit rating system and the process of the system of risk limit approval.The third part is to optimize the company's credit business process,through a general simulation analysis of how to improve the operating performance of the provincial branch after optimization.The fourth part is the optimization of the provincial branch of the credit business of the three processes,proposed for the basic business processes to strengthen the loan,loan team building and training mechanisms for the protection mechanism,The credit rating and risk limits approved process proposed the formation process optimization comprehensive credit rating risk limit management system security mechanism,and through the management of information technology based on security mechanism,can improve business performance.The main innovation of this research is through the process optimization for the intermediate variables,through the company's credit business process system,credit rating system and risk limits approved process optimization system how to affect Liaoning Province Branch credit business operating performance,enrich the connotation and research method of the new commercial bank corporate credit business credit rating process system.