Research On Research On Credit Process Optimization Of Small And Micro Enterprises In J Bank

At present,small and micro enterprises have become an important part of China's economic main structure and play an important role in promoting the development of the entire economy.Accelerating the development of small and micro enterprises has been widely recognized by Chinese society,and people have begun to pay more attention to the main reasons that restrict the development of small and micro enterprises:financing difficulties.From the perspective of banks,the slowdown in economic growth,financial disintermediation,and interest rate liberalization are the obvious changes in the current development of China's banking industry.Under the new normal,more and more banks have realized that innovation and transformation are imminent and are reshaping.Develop strategies and business layouts and do some exploration.Microfinance has the effects of anti-cyclical,anti-disintermediation and light capital,and is the direction of future business transformation.Therefore,this paper takes the commercial bank's small and micro enterprise credit business process as the research object,and takes J Bank as the research object,and conducts a detailed analysis of its small and micro enterprise credit business process,from its product setting,organization management,system management,process optimization.The research and analysis were carried out in the same way,and the employees of small and micro enterprises in J Bank were visited and investigated,and relevant suggestions on the optimization of J Bank's small and micro business credit business process "were obtained.Through in-depth analysis of the development status,product settings and existing drawbacks of J Bank's small and micro credit business,this paper believes that J Bank's small and micro enterprise credit business process can mainly be from market positioning,personnel training and incentives,innovative business channels and products.Optimize settings and other aspects to improve efficiency and enhance profitability.The specific measures include clear market positioning,customer segmentation as the basis of process design,improvement of personnel setup,improvement of business assessment and personnel training mechanism,innovation of business processing channels,and exploration of network credit platform construction.