Study On Credit Business Process Reengineering Of Huishang Bank Small Business

In recent years,due to the impact of the new normal economy,China's small enterprises suffered unprecedented operating pressure,small business financing environment is getting worse.As the main financing channels for small enterprises to respond positively to the state to solve the financing difficulties of small enterprises,financing your call,and constantly improve their own.But the economy continued downward,but also makes the bank suffered a huge risk test,which restricts the bank loan to fear from the root,small business financing more difficult,the original credit business process to adapt to the new economic situation,this thesis under the background of Huizhou merchants bank small business credit business process redesign.In this paper,a full analysis of the flow of credit the main mode of operation of small enterprises in China,found that the current credit base technology of domestic financial institutions,mostly from abroad,but the implementation of the basic appeared in China,no The climate does not suit one."to achieve localization,small business credit business process reengineering should be combined with China's unique mode of development of small enterprises,economic and environmental factors the author,by the merchants bank services for small and medium-sized local commercial banks as the focal point,the main problem is that merchants bank customer marketing is not accurate enough,the daily work mechanism and risk control method,loan management process and other issues,based on the overall analysis,puts forward some concrete measures for the credit business process reengineering Merchants Bank small business,one is management inside the bank must have the mechanism;two is to achieve precision marketing for customers,well Law,the marketing model can be replicated;three is a means of risk control,to take a multi-dimensional effective risk control system.Finally,the paper summarizes the research problems,and puts forward the future research work.At present in our country economy is the new normal under the condition of market competition in the banking industry change constantly,the development of small business credit business more difficult,through the small business credit business process reengineering,merchants bank small business credit business management efficiency,business level and competitive strength has been further improved,not only the creation of financing convenience for customers,but also to enhance the bank's profitability.In a word: small business credit professional landing reform credit technology is the basis of business training is the key business management is the eternal theme.