Research On The Credit Business Process Optimization Of Agriculture Development Bank Of China Baishan Branch

The agricultural development bank of China(hereinafter referred to as "the bank")since its establishment,in service to agriculture,rural areas and farmers,especially support oil collection and storage,the agricultural development and rural infrastructure construction plays a very important role.As early as 2015 of the state council issued a related scheme on reform of the agricultural development bank,emphasize expounds the specific implementing contents in the approval,request the people’s bank of China with relevant departments and units in strict accordance with the different responsibilities,strengthen the cooperation between departments,improve the follow-up supervision and management work,to speed up the pace of further reform,compliance,err on the side of orderly in accordance with the law.Highlights in the approval,the agricultural development bank reform is to policy-related business as the main body,through the policy and proprietary type business collecting management,classification,clear responsibility and risk compensation mechanism to establish core capital adequacy ratio of the constraint mechanism of establishing norms of governance structure and decision mechanism,building the agricultural development bank of China into the sustainable development ability of agricultural policy bank.Under the background of the reform of the headquarters of the agricultural development bank of varieties of business and business scope in the constantly expanding.The bank’s business development than in the past traditional business development model had the very big change.In order to adapt to a new era of the bank building new socialist countryside construction,the agricultural development bank of China(hereinafter referred to as the baishan branch)as a branch of baishan branch agencies,should change the development idea and the management idea,realize the current problems of credit business development,point out the weaknesses in the credit business process,grasp as a policy bank,positioning,also can use for reference the experience of excellent management and operation of commercial Banks,this paper conscientiously analyzes the present status of the credit business process of baishan branch and the end of the comb,there exist on the system of credit personnel configuration is not complete,the business process is not standard,service quality is not high;Exist in the credit process in specific business process is not smooth,department of high barrier,the business process repeat rate is high,long before the loan after so there is no clear distinction between,accept,investigation,the paper,from the loan examination,approval and post-loan management focuses on the optimization strategy.Finally in the optimization of the implementation of the security key from four aspects,specific content as follows: to optimize the organization structure,improve human resources mechanism,strengthening the construction of enterprise culture,and the application and popularization of information technology.In this article,through the way of combining theory and practice of exploring conform to the market,adapt to the customer’s credit business process,changing the bottleneck of baishan city branch credit business development at present stage,the implementation of the sustainable development strategy,aimed at baishan branch through the credit business process optimization provide powerful guarantee business support and optimization.