Case Study On Credit Business Process Management Of Small And Micro Enterprises In X Commercial Bank

As a fast-growing city commercjal bank,X Commercial Bank is the pioneer of the development of credit business of small and micro enterprises in Chinas banking industry.With the increasing attention of the state to small and micro enterprises and the growing market share of small and micro enterprises,small and micro enterprises gradually enter the vision of eommercial banks and gradually become the focus of each commercial bank.Service object.This paper makes a detailed analysis of the typical cases of the credit business of X Commercial Bank's small and micro enterprises,finds out some problems and shortcomings in the management of the credit business of X Commercial Bank's small and micro enterprises through various details of the cases,and puts forward some suggestions for reference according to each issue.It is hoped that the suggestions in this paper can improve the credit quality of the bank's small and micro enterprises and reduce the occurrence of non-performing loans,so as to give some enlightenment to the management of the credit business of X Commercial Bank's small and micro enterprises.After mastering the research status of credit business process management of small and micro enterprises at home and abroad,this paper combines the knowledge of Finance and management,uses literature research method,case analysis method and the combination of theory and practice to study and analyze the credit business management process of X Commercial Bank.This paper takes a typical case of the bank as the research object,and analyses the problems existing in the credit business management process of X commercial bank in small and micro enterprises from four aspects:credit investigation,approval,supervision and management of credit business personnel.Through objective and comprehensive analysis and research,this paper gives practical and concrete suggestions for each problem in the case of small and micro enterprises credit in X Commercial Bank.On the one hand,it can improve the quality of credit business of small and micro enterprises and optimize credit workflow,on the other hand,it can reduce the risk of credit business of small and micro enterprises.Escort the stable operation of the bank.This paper provides the process management of credit business for small and micro enterprises in commercial banks,including the three stages of pre-loan,loan review and post-loan,and gives some pertinent suggestions on the training and management of credit personnel in small and micro enterprises.The problems in this case are often reflected in the credit business of small and micro enterprises of most commercial banks.Suggestions on these common problems should be applied to most commercial banks.Therefore,I hope that the results of this study can provide reference for commercial banks with small and micro enterprises credit business in China.