Research On Corporate Credit Business Process Optimization For Bank Of China Yingkou Branch

With China's economic development has entered a new norm,economic growth is slowing down,the driving factors of economic development is undergoing profound changes,deepening the comprehensive reform on the supply side,the mechanism reform and innovation of science and technology into the future Chinese economy,driving force of social development.Commercial banks as an important part of the socialist market economy the end of the golden age of rapid development,has entered a slow shift period,how to get out of a "quality and efficiency of the connotative development road" is unavoidable in each bank in front of the problem.Bank of China Yingkou branch of the bank within the territory of a China as two branches,in recent years,along with the scale of dividends,dividend policy gradually subsided,gradually into the bottleneck of business development,especially the main source of income of the public credit business suffered a loss of customers,the scale of decline,decline in earnings,the unfavorable situation bad frequent.As for Yingkou branch corporate credit business practitioners,increasingly feel the pressure and heavy responsibilities,but facing the increasingly fierce competition,both in the branch of the corporate credit manager's quality,post setting,evaluation methods,no obvious comparative advantage complexity of management mechanism and business Syria are,some even in the backward state,leading to a customer manager struggling to cope with the heavy paperwork and procrastination of the business process,the public credit business market competitiveness declines.How to improve the Bank of China Yingkou branch of the corporate credit business core competitiveness and the level of risk control,the author thinks that the key in the "process".Process is the core of enterprise management and productivity,quality and efficiency of the process determines the business market competitiveness.The core of this paper is the bank of China Yingkou branch of the corporate creditbusiness process optimization,based on the two branches of view,pay attention to actual effect and maneuverability.This thesis is divided into four parts,part one is theoretical research,The principle of the division of labor based on the source of Adam Smith and the core concept of modern management and business process reengineering and process management theory,the experience from the cases of domestic and foreign commercial banks in the process of transformation.Part two is problem analysis,through a group of data revealed Yingkou branch is facing the pressure of competition,a detailed description of the current branch of public credit business Syria process using the process identification technology,and supporting mechanism Work,and through the satisfaction survey,qualitative methods of time value analysis and quantitative causality diagram,on the company's credit business processes,a detailed analysis of the current situation,pointed out in the marketing plan,time control,division of labor,evaluation mechanism,insufficient loan management etc.exists.Part three is optimization,on the basis of the "customer as the center" principle,under the premise of risk control of loan,loan and loan scheme covers aspects of the implementation of optimization design,post carding,professional team building,resource integration,standardized management,outsourcing,function change and so on,in order to ensure satisfaction,shorten the time,lower risk.Part four is measure of safeguard,in order to improve the practicability of the scheme,this paper also developed the implementation schedule control table and the supporting measures.