The Research On Credit Business Process Improvement Of F Rural Commercial Bank

In recent years,the economic situation at home and abroad has changed,the domestic economic growth rate has declined,and the economic development has entered the transition period.the economy has been in transition,and the CPC central committee has proposed to push the supply-side reform to improve the quality of our economy.The development of China's capital market has enriched the social financing channels,the steady promotion of interest rate liberalization has compressed the profits of commercial Banks,the CBRC vigorously advocated the entry of private capital into the banking industry,the central bank began to relax the investment restrictions on foreign Banks and other factors,making the business environment faced by Chinese commercial Banks more and more intense.The credit business has contributed to the majority of the profits of our business Banks,which,as a result,has made a higher request for our business bank credit management.For historical reasons,today in the rural credit union system in China,the management level is not high.Especially in the credit business,the bad management makes it difficult to measure and prevent the credit risk effectively,and the marketing and service quality of the credit business are always at a low level,which seriously restricts the competition of rural commercial banks in the local credit business market.On the basis of the relevant theories of process reengineering,this paper takes F rural commercial bank as the research object,fully shows the various stages of the current credit business process of the bank,deeply reveals the problems existing in each link of the credit business process of the bank,and makes an analysis and summary of the causes of these problems.By referring to the successful business process reengineering experience of foreign commercial banks,combined with the process reengineering theory of commercial banks,the reengineering suggestions are given in terms of organizational structure,specific links improvement,customer classification,overall approval process and supplementary measures,the effect forecast is made from the aspects such as the loan approval time efficiency,credit risk control effectiveness,organization structure flatness and the satisfaction of customers and employees.Process reengineering has been recognized as one of the effective methods to improve the operating efficiency of enterprises in the field of management,therefore,the author tries to study the credit business process of F rural commercial bank,expectes to effectively improve the quality and efficiency of the bank's work in the credit marketing,credit approval,credit risk prevention and control and to gain competitive advantage in the market,the author also expects to contribute some valuable suggestions to the credit business process management for other rural commercial banks.