Research On The Credit Business Process Optimization Of JC Branch Of Gansu Bank

With the rapid development of financial technology in recent years,internet finance boomed.Traditional commercial banks face unprecedented challenges that inflexible and rigid operation modes are replacing by more convenient and efficient ones.Especially due to the COVID-19 pandemic,banking financial institutions need to accelerate their transformation and speed up the construction of process banks.As a young urban commercial bank,Gansu Bank is now at the crucial moment of business model transformation after 11-year high speed development.The newly merged and established JC branch is the biggest branch of Gansu Bank,the optimization of credit business process is crucially important for improving the approval efficiency,providing differentiated credit service,and guaranteeing the healthy and rapid development of credit business of the whole bank.Based on the theory of process reengineering,this thesis uses the procedures and methods of process optimization reengineering to optimize the process of credit business of JC branch.Firstly,by designing questionnaire about the operation of important procedures of credit business of JC branch and handing out the questionnaires to all the employees who specialize in credit business,the author will obtain the objective evaluation and find out the problems of process operation.Meanwhile,the author also designs satisfaction questionnaires and hands out them to the customers who applied credit business in JC branch to know the exterior satisfaction evaluation.Then through the interior and exterior evaluation,the author tries to find out the problems in the operation process.Secondly,according to the feedback,the author summarizes the problems of the process,analyzes reasons through fishbone diagram and provides sufficient proofs for later optimization.Lastly,the thesis optimizes and reengineers the current credit business process through ECRS and 5W1 H methods combining regulations and operation standards of Gansu Bank.The research results of this thesis indicate that the optimization plan achieves better effects: the improvement of pre-loan investigation efficiency,the reduction of complementary and repetitive investigation and the promotion of customer experience;the improvement of after-loan management;and the simplification approval process.The optimization of the process is very evident.It improves the efficiency of operation process,guarantees the stable and healthy development of credit business of JC branch and also provides reference for promotion of 5-year strategic plan of Gansu Bank and construction of process bank.