Research On The Optimization Of The Approval Process For The Credit Business Of The N Branch Of The ICBC

China's reform and opening up in the past 40 years,the speed of economic development can be called the "world miracle".China has become the second largest economy in the world,and the achievements of economic development attract worldwide attention.This achievement cannot be separated from the joint efforts of all walks of life,of which small enterprises have contributed important forces in promoting employment,technological innovation and promoting industrialization.With the establishment and perfection of the socialist market economy system,the small enterprises in our country have also gained unprecedented development,but in the process of this development,small enterprises also face a lot of problems.In particular,the problem of financing difficulties has been a worldwide problem that has plagued the development of small businesses.In the context of the degree of marketization and financing in China is not as good as the western developed countries,the problem of financing for small enterprises in China is more prominent.As the core of China's financial industry,state-owned commercial banks are indispensable force to promote national economic development and promote the development of small businesses in China,which is also the social responsibility of state-owned commercial banks.However,based on the risk management of state-owned commercial banks and the development of small businesses themselves,state-owned commercial banks have not made breakthroughs in supporting SME financing.Even if the small and high-quality enterprises can get financing in state-owned commercial banks,it is clear that the approval process of small business credit business of state-owned commercial banks is too complicated to meet the financing needs of small businesses.According to my experience of the credit of state-owned commercial bank small business credit business,from the perspective of employees from state-owned commercial bank N branch small business loan approval process for N branch of small enterprises to conduct a comprehensive analysis of the N branch of the small business credit approval process problems,and the problems of analyzing the causes.Based on the theory of process reengineering and optimization,this paper puts forward some suggestions on the optimization of the current small business credit business examination and approval process of the N branch,to improve the approval process system,improve staff performance allocation mechanism and responsibility system,clear responsibilities and improve the examination and approval departments professional level and optimize the approval process of small business credit business,thus promoting the N branch enterprise customers to provide quality financial services,business development.