DianBaiXian Rural Credit Cooperatives Credit Business Process Reengineering

Since the nineteen nineties, along with the thorough reform of market economic system, China’s rural financial system is ceaseless and perfect, rural credit cooperatives are many financial institutions in our country long history, many outlets, service wide area, with distinct characteristics of rural cooperative financial organization. With the support of national policy, commercial banks, policy banks started the trend in rural areas, rural financial market competition is intense with each passing day. In this paper the basic starting point is to Guangdong Province County Rural credit cooperatives credit business process reengineering of rural credit cooperatives, Guangdong Province as part of the financial industry and special groups, for agriculture, farmers, rural economic development to provide financial services to the community of local financial institutions, is the main force of rural finance the army and the peasants of financial ties. Loan business as Guangdong Province County Rural Credit Cooperatives is one of the main business, the main source of profit, its development is directly related to the development of rural credit cooperatives. In fact, many current agricultural letter society credit business development slow, risk is prominent, in addition to the defects of the system factors, more important reason is the management idea backwardness, credit management is not scientific and modern marketing knowledge. In this paper, writing in the early to consult and draw lessons from the United States and other western countries, small and medium-sized bank credit management marketing method, based on advanced scientific theory, with reference to the advanced experience of the commercial bank business process reengineering. Especially for commercial banks and rural credit cooperatives credit process transforming influence of collect and collate a large amount of literature, combined with Guangdong Province County Rural Credit Cooperatives own characteristic, to explore suitable for rural credit cooperative loan business process reengineering development road. County Rural credit cooperative loan business process is too complex, between departments responsibility is not clear, loan marketing model of a single, service quality is poorer wait for a problem " which has seriously hindered the development of the rural credit cooperative loan business.The rural credit cooperative business processes carried out a comprehensive, system analysis, combined with the credit business process immanent connection and operation mechanism, summed up rural credit cooperatives credit business process reengineering of international experience, put forward rural credit cooperatives credit business process reengineering of the train of thought and strategy, and the rural credit agency credit business process model is designed. The innovation points include:one is the use of process reengineering and other foreign advanced theories, the county rural credit cooperative loan business process reengineering implementation of credit system," parallel operation ", to simplify the rural credit cooperatives credit basic operation flow. The two is to promote business unit business process reengineering, advance the real significance of the loan center model.