Research On Loan Process Reengineering Of Rural Credit Cooperatives In Shanxi Province

With the support of national policy, commercial banks and policy banks begin to tend to rural areas, the financial market of rural areas will become increasingly fierce. Rural credit cooperatives of Shanxi Province as an important part of the financial industry and special groups, is providing financial services to community-based local financial institutions for agriculture, farmers and rural economic development. And it is the main force of rural finance and contacts the peasants of the financial ties. Loans of rural credit cooperatives as the main business are one of the main sources of profit. So the quality of its development decides to the development of rural credit cooperatives. In addition to institutional weaknesses, the current slow growth of rural credit cooperatives and risk prominent factors lie in the philosophy behind scientific and modern marketing, credit management and lack of knowledge.Rural credit cooperatives as financial institutions, is as the same as commercial banks in business management, handle business and risk control. But there are also many differences. Therefore, process reengineering in the rural credit cooperatives should be combined with the characteristics of Shanxi Province and explore the process for re-development path. The process of rural credit cooperatives are too cumbersome, unclear responsibilities between departments, loan marketing model of a single, poor service quality and other issues. The issue has seriously hindered the development of rural credit loan business. This article is in accordance with the basic theory of process reengineering and combined with advanced methods of management to reform the rural credit cooperatives for loans in Shanxi Province BPR.Specific study of this paper is as follows:The first chapter is of the background, purpose, research status for a detailed explanation and put forward the necessity of this paper. The second chapter introduces the theory of business process reengineering and lean production theory to provide a theoretical support. The third chapter describes the overall credit and business processes focused on the loan situation, and pointes out the main problem of loan process and analyzes the causes. ChapterⅣpresents ideas and principles of process reengineering of the rural credit cooperatives in Shanxi Province, and presents the theoretical model and loan Process Reengineering program and related security measures. Chapter V analyzes the expected results by using the flow chart. Chapter VI introduces the advanced concepts embodied in the process reengineering to provide experience for other commercial banks.The point of this article includes the following:First, this paper refers reengineering, lean manufacturing and other advanced theories for recycling process to establish the loan center into a "streamlined" standardization of credit facility. Second, promote the system of process reengineering business unit and the electronic processing methods and automated approval.