Commercial Banks to Small Enterprise Credit Process Optimization Program Research and Design
|School||Hebei University of Technology|
|Keywords||commercial banks small business credit business process analysis process optimization|
As an important part of our national economy, small enterprise is playing an increasinglyimportant role. But, the financial problem is always a main problem that keeps small enterprisefrom developing. In recent years, our nation gives a lot support to the small enterprises.Therefore, the banks attach more and more importance to financial services for small enterprises.Many commercial banks have changed their traditional business conception and transferred theirtarget to financial services for small enterprises. The competition among banks is getting fiercer.Since financial services for small enterprises will be the main growth pole for banks, the bankshave to optimize credit process to beat the other competitors to win the trust of small enterprises.With Hebei Bank set as the object, this paper has made a research into small enterpriseswith the combination of theory and practice. First, I used strategic map to analyze therelationship between the strategy of the bank and the credit process. Second, after the analysis ofthe credit process of small enterprises, I found the parts that need to be improved. Then, Ianalyzed and designed the prioritization scheme of credit process of small enterprises. Finally, Idid the layout plan for the implementation strategy of small enterprise’s process optimizationscheme The analysis of Hebei Bank’s small enterprise credit process optimization can not onlyprovide optimization scheme for small enterprise credit process optimization, but also providesome lessons for other commercial bank’s small enterprise credit research. Besides, the researchfor small enterprise credit process can satisfy the financing demand of small enterprises quicklyand efficiently as well as improve the environment for small enterprise credit. It can help thesmall enterprises to develop healthily and has great importance for changing our nation’s modeof economic growth and the adjustment of industrial structure.