| With the gradual development and progress of science and technology,under the influence of the data society revolution,the financial industry continues to reform and innovate,and the banking and financial industry is becoming more and more competitive.At the same time,the transformation of citizens’ consumption awareness has led to the sudden emergence of personal credit work in banking financial services,especially the new personal credit work business such as credit card installment business.At the same time,the development of business has also led to fierce competition,as most of the bank’s installment business has also appeared homogenized.Therefore,more means of competition are mainly reflected in winning customer loyalty from services,which inevitably requires major banks to continuously improve their business processes.This paper selects Bank A as the research object,which is one of the earliest banks to carry out credit card installment business,and analyzes the necessity and improvement plan of its business process improvement from inside and outside.The first step of this article is to discuss the theory of Six Sigma management,compare the theory of Six Sigma management with the principle of process reengineering,and point out the scientific nature of the selection of Six Sigma principle as a reference standard based on the comprehensive practical experience of global banks using Six Sigma integrated management.Next,I will study and analyze the actual situation of Bank A’s personal credit card installment business,the research and analysis of the actual external environment,and the actual situation of internal material resources,and summarize and summarize the improvement and perfection of bank A’s personal credit card installment business sequence.Critical.Then,discuss and analyze the actual situation of the operation and application process of this work business,and combine the research questionnaire to check the research and analysis mode,and summarize and summarize the current contradictions in the current work business service process of Bank A.In addition,it studied and analyzed the main factors that led to the above contradictions.Finally,according to the DMAIC model,the overall process of A credit card center work and service was optimized and perfected,and for the improved operation and application process,a comprehensive quality control management system was established to establish a long-term management system.Time and continuous optimization improve the understanding of the sequence process.Based on the basic application of the current comprehensive practical experience of global banking application with reference to process diagnosis and imitation,this article applies the Six Sigma DMAIC method to optimize and perfect the sequence of bank A’s personal credit card installment business process,not only for Bank A to improve its own work and business processing The sequence process has a certain value and the optimization and improvement of the overall process of personal credit line work and services have reference application value.At the same time,the optimization and improvement of the operation application process for other bank credit card installment businesses have reference application value. |
