| In recent years,as an important market subject for economic development,small and medium-sized enterprises are an important force to stabilize growth,promote employment and ensure people’s livelihood.According to relevant statistics,SMEs in China play an important role in "56789"(that is,they contribute more than 50% of taxes,more than 60%of GDP,more than 70% of technological innovation,more than 80% of urban labor employment,and more than 90% of enterprises).Developing inclusive finance to serve the real economy and effectively providing financial services for small and micro enterprises has gradually become one of the bank’s development strategies.In view of the current homogenization of traditional commercial banks’ operation,the traditional "credit factory" model has not adapted to the diversified needs of small and micro enterprises and individual businesses,and the fierce competition in the same industry has forced large,small and medium-sized banks to find new business space.How to make full use of big data,cloud computing,artificial intelligence and other financial technology means to change the new model of banking services and operations with the help of financial technology,We will continue to stimulate the endogenous impetus for the transformation and development of banking institutions and provide technical solutions for inclusive financial development.Many peers have paid attention to the potential of technology finance and made great efforts to layout,seeking new profit growth points during the "Fourteenth Five Year Plan" period,so it is urgent to promote the development of inclusive finance online loan business.The continuous prevention and control of the new coronal pneumonia epidemic and the obstruction of the global supply chain have catalyzed the rapid development of the online model of commercial banks.However,in the process of digital transformation,due to different technological and financial capabilities and transformation layout,various banks gradually exposed some development gaps and risks.Under this background,this paper takes the achievement of technological and financial innovation of Bank Z-"BOC Enterprise E-Loan" product as an example,first investigates the current situation of the inclusive online loan business process of Bank Z,discusses the theoretical basis for the optimization of the inclusive online loan business process,and accurately positions the analysis means and methods suitable for the inclusive online loan business process of Bank Z;Secondly,analyze and compare the business data,and intuitively display the overall business process in the form of drawing tables and business process diagrams;Thirdly,according to the investigation and analysis,find out the blocking points and difficulties in the current process,and then propose the corresponding optimization and reconstruction plan.On this basis,we further sorted out and summarized the problems and characteristics of the online loan business process of inclusive finance,proposed the goals and principles of business process optimization,formulated targeted operational optimization and improvement measures,further optimized and rebuilt the online loan business process of inclusive finance,comprehensively improved the efficiency and core competitiveness of Z Bank,and promoted the operation and development of Z Bank in the industry,At the same time,we will help Bank Z to effectively cope with the triple pressures of shrinking demand,supply shocks and expected weakening,ensure market players,stimulate market vitality,make every effort to increase the efforts to help enterprises rescue,and comprehensively improve the ability of financial services to the development of the real economy. |
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