Study On The SME Credit Business Process Reengineering Of Commercial Bank

SMEs(Small and Medium-Sized Enterprises) now have Played an important role in Chinese national economy. Especially in recent years, SMEs created more and more wealth, and the government had pay much more attention to its development. Since2011, our government have issued a number of policies to support the development of SMEs, which effectively improve SMEs credit financing status. However, because of the negative influence of European sovereign debt crisis and a serious shortage of foreign demand, SMEs will be exposed to further deterioration in financing. At the same time, according to the related policies, commercial Banks and other financial institutions view the SMEs financing service as an important growth point of bank profits, and SMEs credit business process reengineering will be an inevitable choice to create sustainable competitive advantage of commercial Banks.This paper made an overall introduction of related research about SMEs process reengineering. By analyzing "credit factory" mode, which was considered as the best way to develop SMEs credit business, combined with the practice of "credit factory" mode, we conclude that commercial bank will get a sharp increase of SME loans and a significant reduction of bad loans after the introduction of "credit factory" mode. In the empirical analysis section, I select the data of20commercial banks from2001to2010, and use a virtual variable to indicate whether to introduce the "credit factory" mode. Then, I built a relational model by regression analysis between the efficiency of banking and variables about commercial banks as well as macro economy. And come to a conclusion that the introduction of "credit factory" mode have a positive impact on the control of NPL ratio. In the last section, the article puts forward some suggestions about the business process optimization according to the operation mechanism and process design of "credit factory" mode.