Research On Optimization Strategies For Small And Micro Loan Business Process Of J Branch Of S Bank

In recent years,under the influence of COVID-19,the conflict between Russia and Ukraine and the downward trend of the world economy,the domestic financial market has experienced a lack of momentum.To this end,China has intensified the innovation of financial products,hoping to boost the morale and activate the vitality of the market economy through financial reform.Since 2011,China’s commercial banks have continuously adjusted their business focus in strict accordance with national policy requirements,and given the maximum support to small and micro businesses.With the continuous increase of the loan scale of small and micro business,this business has gradually become the profit contention point of various commercial banks.As a result of the macroeconomic downturn,the business scale of small and micro enterprises shrinks and the profits decrease sharply,and the leverage of bank loans is weakened,thus the demand for credit funds becomes smaller.In addition,many entity operators as the target customer group of small and micro loan business have quit the market or turned to online operation,which to some extent leads to the decline of the overall number of the target customer group of micro-loan loans.In this situation,how to improve the loan business level of small and micro enterprises in each link and improve the service quality has become the key to gain competitive advantage in the market in this field.Based on this,this paper to S bank J points,pratt & whitney financial theory,macmillan gap theory,information asymmetry theory,process reengineering theory as the research basis,choose the questionnaire,literature analysis,interview investigation method of S bank J branch small micro enterprise loan business status investigation,found that the business before the loan,after the loan,loan and personnel service problems,including insufficient promotion efforts,credit application procedures,lack of online channels,loan before loopholes,loan approval process,lack of loan service,finally for the overall credit process and various stages optimization countermeasures.In this way,it can provide certain help for the development of small and micro business loan business of S Bank J Branch,and provide reference for the development of small and micro loan business of other commercial banks.