The Personal Loans Centre Process Optimization Study of Ccb Shaanxi Branch

With the development of domestic commercial bank, personal loans as assets business a wide range of customers, its low default rate, interest income and long term stability by various commercial banks favor. CCB Shaanxi branch to establish personal loan business in the same industry advantage, the establishment of the Shaanxi branch personal loans center as the city of Xi’an personal loan business background centralized processing mechanism. The center was established just provides a platform, how to form efficient business processes to support business development is crucial, it is the core content of this paper.Based on the process management and process optimization theory is based on careful analysis, using the production management related theory, the optimization of CCB Shaanxi branch personal loans center business process and puts forward the basic measures and corresponding measures. This paper firstly analyzes the CCB Shaanxi branch personal loans center business process status, and then based on the flow status of description and analysis, summed up the current business process problems, aiming at the existing problems, puts forward the CCB Shaanxi branch personal loans center business process optimization principle, implementation steps and the specific optimization scheme. Process optimization principle is the implementation of process optimization of the starting point and final goal, including customer-centric principles, priority to efficiency principle and the precautionary principle. Specific optimization, this paper does not only include the cross position between a large operation process optimization, and to take into account the contract approval process optimization, etc.. Support for basic measures, this article from the establishment of long-term mechanism for the establishment of process optimization, process optimization, risk prevention and control sub process post through three aspects developed matching measures.This paper mainly to process optimization theories as the basis for CCB Shaanxi branch personal loans center business process put forward a series of optimization scheme, and design the optimized business process diagram of CCB Shaanxi branch, to improve their own business process has a certain value.