Research On The Reform Of Credit Approval Process Of Industrial And Commercial Bank Of China Zhengzhou Branch

Over the years,the macroeconomic environment has been gradually changing.Various financial institutions and innovative products are emerging in an endless stream.The risk control requirements of regulators at all levels are constantly stricter.ICBC Zhengzhou Branch faces huge competitive pressures in credit business development.On the other hand,Exposure to harsher regulatory environment.Especially after June 2017,ICBC Henan Branch delegated the examination and approval authority for some of the businesses to Zhengzhou Branch,and set up a credit examination and examination department,focusing on the general approval scope of personal credit business,small and micro credit businesses,and credit grants Legal person business,real estate and mergers and acquisitions loan business implementation of Zhengzhou Branch of the direct approval of the functions of the Bank of China Zhengzhou Branch of the credit business in all directions,high-performance development both given a great opportunity,but also brought great challenges.In this study,the credit approval process of Zhengzhou branch of ICBC was transformed into a specific research object.The theory,method and technology of process reengineering were comprehensively used,and the specific problems and specific reasons in the existing credit approval process were fully integrated into practical research.First of all,by introducing the background and significance of this research topic,the paper generally describes the methods and ideas adopted in the study and sets up the research framework so as to locate the tone of research on the credit approval process of ICBC Zhengzhou Branch.Secondly,through the questionnaire survey and interview law,we focus on the diagnosis of the existing problems in the credit approval process of ICBC Zhengzhou Branch,and find out the reasons.Subsequently,a targeted plan for the reform of the credit approval process was proposed,and specific reform measures(including functional reforms,Structural transformation,system transformation,incentive mechanism transformation in four aspects)were proposed for the credit approval process transformation;.Finally,in order to ensure the smooth implementation of the credit approval process transformation,this study formulated the supporting safeguards and expected the effectiveness of the reform.This study attempts to further improve and revise the existing approval process of ICBC Zhengzhou Branch,hoping to promote the long-term and stable development of credit business of ICBC Zhengzhou Branch in the future.