The Research On Personal Loan Process Reengineering Of China Construstion Bank Gansu Branch

The personal loan service is the Gansu construction bank strategic service.In the Gansu construction bank loan service flow exists the question has become the hindrance loan service highly effective development factor. This article wants through to the Gansu construction bank personal loan service flow analysis, to unify the American maturer personal loan flow the enlightenment, Conducts the research to the Gansu construction bank loan service flow restoration, hoped carries on the loan flow through this research to the Gansu construction bank the transformation to provide the mentality and the help.This article first to the service flow restoration implication and in the domestic and foreign bank utilization situation summary and the review, has carried on the contrast analysis to the Gansu construction bank and the US Commercial bank personal loan service flow pattern, through the contrast analysis, the enlightenment which obtains is: The Gansu construction bank personal loan flow restoration needs to establish individual information management system and to draft the letter system, needs to construct has the modernized technology method examination and approval system, needs to establish under the service unit system the loan center management pattern, realizes the highly effective intensified management. In this foundation, has carried on the thorough analysis and the research to the Gansu construction bank personal loan service flow restoration. Pointed out the Gansu construction bank carries on the service flow restoration to be supposed take BPR (service flow restoration) as a master line, uses BPI (service flow promotion) the measure to advance, the optimized service flow gradually according to the estimate hypothesis structure direction, treats internal mechanism has basically when carries on the structure adjustment, forms the structure the steady adjustment viewpoint. Pointed out the personal loan flow restoration is the realization take the customer as a center, promotes the personal loan service overall efficiency, decreases the personal loan service risk the personal loan flow. Proposed the six Sigma quality process management theory is the personal loan service flow restoration research technique, and proposed on the personal loan flow transformation suggested: The advancement service unit system flow restoration, the advancement true significance personal loan center pattern establishment, the advancement computerization examination and approval way and realizes the automated examination and approval, but also will construct to the near future proposed should to the backstage high degree of concentration, the standardized management, the implementation process control direction develop. Afterwards, has carried on the analysis to the Gansu construction bank personal loan service flow restoration system support.