Study On Personal Loan Business Process Optimization Of SX Bank

With the further opening of financial market, as an important carrier of the bankingfinancial markets are always faced with fierce competition. Particularly in view of thecurrent rural credit cooperatives in China are large and low working efficiency, so thereform has become one of hot issues at present stage. How to improve the efficiency ofrural credit cooperatives internal administrative management, so as to achieve highercustomer satisfaction and realize own market of competitiveness, becoming an urgentproblem to solve. From inside of the bank to modify the relevant business service processis already got the proof of theory and practice, so the use of business process reengineeringof business process of the reform of rural credit cooperatives, to establish a scientific,reasonable and effective business process, in order to improve the work efficiency of ruralcredit cooperatives to administrative and market competitiveness, has become a problemworth studying.Taking banking business process reengineering as the goal, the study of relevantliterature and business process reengineering theory, established the direction and thetheoretical basis of this study. By analyzing SX bank existing personal loan businessprocess in detail, diagnosed that the cause its current low administrative efficiency, marketcompetitiveness is not strong main reason is lack of customer segmentation, businessprocess design is not reasonable, loan process operation low efficiency and low level ofinformatization and loan risk identification ability to control such as four reasons to theexisting problem in SX bank with low administrative management efficiency.In view of the current problems existing in the research and analysis for businessprocess optimization, through the personal loan customer and the classification of businesstypes, respectively is related to the business process is improved optimization. For smallloans has become the status quo of the current bank preempted high-margin business,specially designed for small micro loan process optimization, and together with the carloans and mortgage business become personal loans of the core business of the SX bank.According to the possibility of the risk of default problem, this dissertation are putting forward the risk management process optimization and making the personal loan businessprocess as a whole system. The study in this article has an improvement to personal loanbusiness optimization, which also is significant to improve the efficiency of SX bank’sadministrative management.