Research On The Service Quality Of Real Estate Credit Business Of H Company

Real estate finance plays an important role in economic development both at home and abroad.In past years,the speedy growth of China’s housing industry has become an important driving force for national economic growth.In order to combat local economic overheating,China has implemented a number of contractionary regulations for land,finance,etc.,which has made it difficult for real estate developers to secure funding.Countless adjustments have been made to China’s real estate policy.Emerging asset management companies have sought to alter the real estate enterprise’s reliance on bank funds,by increasing development funds and controlling the amount of bank credit available to real estate businesses.The majority of itsrivals are traditional AMCs,regional asset management firms,and commercial banks;however,new financing channels for real estate enterprises can be created.Company H must urgently address the issues of maintaining its current customers,creating new client target markets,and augmenting customer satisfaction in order to remain competitive and maintain a steady standing in the client market in the current economic climate.Company H’s real estate credit business is the focus of this paper,with an emphasis on its service quality.Firstly,by analyzing the macro environment of Company H’s professional market,it is known that the overall industry still has a lot of room for development in the current environment,but there are still many shortcomings in the services.Establishing an evaluation model for Company H’s real estate credit business,the SERVQUAL model utilizes an interview and questionnaire to analyze and discuss the existing issues and causes.Subsequently,the five dimensions of the service quality model are used to summarize the current situation of Company H and suggest countermeasures.The specific optimization countermeasures are as follows: in tangibility,upgrade the business system,increase the investment in IT R&D,and lay a good foundation for the digital transformation of Company H afterwards;in reliability and assurance,strengthen the business assessment and training mechanism of employees,enhance the sense of responsibility of employees,establish a perfect personnel incentive system,and improve the professional level of personnel;in responsiveness,improve the service mechanism,strengthen business supervision and timeliness guarantee,and improve service efficiency: Enhancing customer satisfaction through empathy,personalized product innovation and post-investment management services can be greatly enhanced.This article conducts a comprehensive questionnaire survey based on the 5primary indicators and 24 secondary indicators of the service quality model,analyzes the existing key problems of Company H’s credit business and proposes specific countermeasures,which is of practical guidance to improve the service quality of Company H’s real estate credit business,and hopefully will serve as a reference for other financial institutions to improve their credit business services for real estate enterprises.