Study On Optimization Of Personal Business Loan Business Process Of Changchun Tongzhi Street Branch Of Jilin Bank

In our country,the small and micro enterprises have a large base,and it is difficult to solve the financing problems by relying solely on government policies.As a result,individual commercial bank loans for small and micro enterprises have emerged.With the increasing attention paid by major domestic commercial banks to individual business loan businesses,major commercial banks have increasingly focused on the reengineering,upgrading,and optimization of related business processes.In this context,Jilin Bank,in order to enhance its own competitive advantage and to improve its own competitive advantages,will try to optimize the current personal business loan business process in order to solve the problems in the business process through process diagnosis and analysis.Improving business efficiency,reducing credit risk,promoting its business development,and improving the competitiveness of its peers,while also providing reference for the optimization of similar business processes in other branches of Jilin Bank.Thesis mainly includes the following content.Firstly,it introduces the research background,research methods,research value and innovation points,and sorts out related research literatures at home and abroad,completes the main body architecture design of the papers;then it carries out a theoretical review,defines relevant concepts,and elaborates related theories on process optimization to provide follow-up practices.The research lays a theoretical foundation;Next,through the analysis of the development status of Jilin Bank and the current business process of personal business loans,the process diagnoses problems and finds out the reasons;Finally,based on existing problems from pre-lending credit investigation,loan approval,loan After three stages of management,it proposes process optimization recommendations and specific process optimization programs,and proposes safeguard measures that match the optimized process from the three aspects of organization,information management,and human resources guarantee to ensure the effectiveness of process optimization and smooth implementation.