Study On Optimization Of Business Process Of Small And Micro Enterprise Loan Of Jiujiang Bank

The concept of small and micro enterprise was proposed in 2008,and it has been ten years.During this period,the number of small and micro businesses has been increasing year by year and is now the main driving force of China's economic development.At present,the development of small and micro enterprises is not as good as the new development stage.In addition,the development of small and micro businesses has gradually attracted the attention and support of the state due to their important position in China's economic development.We introduced financial and tax policies to support the development of small and micro businesses.The problem of credit financing for small and micro businesses has been significantly alleviated.The competition of banking and financial institutions is becoming increasingly fierce.In order to constantly develop in the competition,business strategy and differentiated business process have become the key points that financial Banks pay attention to.Differentiation processes are designed to be efficient.The great prospect of financing business of small capital enterprises has attracted the attention of domestic commercial Banks.All of them regard financing of small and micro businesses as a strategic priority,strive to constantly optimize and improve business operation mode and operation process,and take the improvement of market competitiveness as the improvement goal.In September 2006,jiujiang bank established a small business lending center in cooperation with China development bank and Germany IPC.The process optimization of small and micro-sized enterprises' loan business has always been taken as the key point,trying to achieve the transformation and comprehensive competitiveness of jiujiang bank by improving the proportion of small and micro-sized enterprises' credit business.Jiujiang small bank credit business for 12 years,has obtained the good result,but the business process is exposed some problems,such as: submit loan application channel is unitary,submit an application,the request submitted material too much,credit investigation stage cycle is long,preliminary examination and review two credentials as lazy,loan by loan process stage cycle is long,and lack of flexibility,etc.In the increasingly fierce market competition,the business process in the early years has been unable to adapt to customer demand,business optimization is the inevitable choice for jiujiang bank to consolidate customers and enhance the core competitiveness of the market.In this paper,by adopting the combination of questionnaire and literature analysis research methods,through the bank of jiujiang small micro enterprise loan business process analysis,the questionnaire survey to sum up the bank of jiujiang the existing main problems of business process,and then from the bank of jiujiang problems existing in the small micro enterprise loan business process,in combination with the practical situation of jiujiang bank small micro enterprise loan business,business process optimization is put forward the constructive Suggestions.This study mainly divided the loan process of small and micro-sized enterprises into six stages: application acceptance,credit granting investigation,examination and approval,contract signing,loan expenditure and post-loan management.In order to realize process optimization,we propose Suggestions one by one for the 11 stages with major problems in the six stages,realize the optimization goal and improve process efficiency.For example,reasonable division,the use of customer credit rating,the establishment of customer electronic archives,enhance operational flexibility,targeted audit,and speed up the bank funding recommendations.For jiujiang bank small and micro business loan process to provide reference.