Credit Process Improvenment Study In HB Rural Cooperative Bank

In recent years Wenzhou,Ordos,the serious private lending crisis,a direct impact on the quality of credit assets of local financial institutions,especially in the rural cooperative financial institutions most affected.It also exposed the low level of rural cooperative financial institutions credit management and weak ability to resist risks.Faced with increasingly complex financial markets,to improve credit management level of rural cooperative financial institutions is particularly urgent.Energy powerhouse in northern Shaanxi Yulin City HB rural cooperative banks as a research subject,as the starting point of the credit process management,comprehensive and in-depth study,loans and loan before the loan after three stages subprocesses.Business process reengineering as the theoretical basis for the starting point to the actual situation of rural cooperative banks in HB,multi-angle,multi-level analysis of the existence of the problem of the the IICA walk in the credit process.Learn from foreign experience based on the combination of theory and practical,from the credit process,organization,human resources and inlformation technology four directions to HB rural cooperative banks credit process improvement program,and further countermeasures for the implementation of the program.