Research On Process Optimization About Credit Business Of G Bank Corporate Client

With the opening of China's financial market,China's commercial banks are facing the pressure of rising costs and declining interest margins.At present,The development of state-owned banks is facing severe challenges,the drawbacks of the traditional bank approval process appear.G Bank is facing unprecedented pressure and challenges,only by effectively improving and perfecting the existing corporate credit business process,can it improve the operational level and risk control ability of its corporate customer business.This paper takes G Bank's current corporate customer credit business system and process as the research object,sort out the existing problems and puts forward corresponding countermeasures to improve the efficiency of business management by ECRS analysis its improved method ECRSI analysis.This paper finds that the traditional credit business process of G Bank has three typical problems: 1.For the head office-led group subsidiaries,the credit business process takes too long,2.For the enterprises want to increase large credit lines,the relevant policies are too rigid,3.For the new declaration subsidiary company,various links of credit business process lead to prevarication.The above problems lead to the complexity of credit business.This paper analyses the data of three representative enterprises of G Bank and optimize the credit process,and also analyse the actual effect before and after process optimization to test the effectiveness of the optimization process.Generally speaking,the credit business process of G Bank is constantly developing and improving in recent years,but compared with joint-stock commercial banks and foreign banks,there is still a big gap in efficiency.Based on the current situation of G Bank's credit business process of corporate client,this paper studies and analyses the problems existing in the process,and summarizes the optimization ideas of the credit business process.This paper hopes to offer valuable reference for other banks.The idea of corporate credit business process optimization proposed in this paper can help banks to further improve the corporate credit approval system and enhance their competitiveness in the interbank market.