The Credit BPR In State-Owned Commercial Bank

The financial industry market opening gradually, the western transnational bank after BPR project has poured into China with enormous market potential; this enables being used to receiving the state-owned bank where the state policies protected and receiving the unprecedented impact. It is exactly a kind of positive and effective change measure that the commercial bank makes in the face of the management environment of this kind of change that the Business Process Reengineering (BPR). In China, the bank credit is a main operational activity of the financial institution, also is the important economic lever that the country is used for developing and managing national economy, the BPR of the credit is given a new lease of life to improving the key competitiveness of state-run commercial bank, the profit ability, innovation develop ability and take precautions against and control the strategic meaning with importance of risk ability.As a staff of the bank credit in the CCB, one of the top 4 commercial banks in China, the author is deeply aware of the importance of the credit risk control. The credit BPR of commercial banks, which is a systematic engineering, not only deals with credit operations, but also relates to bank operation ideas. In allusion to the current problems of our commercial banks, this paper adopts theoretical study and practical observation together to find out the effective combined point of both sides and analyze the practical situation by recommending- the BPR theory and concerned technical methods including post aiming, value chain analysis and zero defect management etc .The commercial banks of China should consider the fact of ourselves, abide by the basic principle of BPR, entirely innovate upon the credit management mechanism, try hard to amend the technical instruments, exert ourselves to improve the service manner, make great efforts to heighten the efficiency of service and management, integrate the flow of credit operations, optimize the association of credit labor, strengthen the control of credit risk and set up the efficient work flow and the integrated management system. By the means of BPR, the commercial banks try to create the best efficiency of credit operations and enhance the market competitive power and persistent progress ability.