The Study On The Optimization Design Of Intensive Management System Of Retail Credit Business In Commercial Banks

With the rise of the Internet financial industry,the development of the traditional commercial banks has been more and more bound,and the profit space is becoming smaller and smaller.Therefore,it should improve and improve the form of service,develop new ways of profit,and face the changes caused by the development of the Internet,we should learn to put down its own body and put the customers in the first place.We need to further study the needs of customers in the new era and find ways to satisfy them.Facing the increasingly fierce competition situation in the international financial industry,the financial institutions both at home and abroad are starting to use the intensive operation platform to improve the efficiency and competitiveness and reduce the cost expenditure when dealing with the background business.This paper mainly studies the intensive mode in the process of dealing with backstage business by state-owned banks and commercial banks in China.The background and significance of the research are intensive treatment of retail credit business.The concept and characteristics of the business are deeply analyzed.The current situation and problems of the intensive retail credit business of commercial banks are analyzed.The design of intensive management system for retail credit business in Wuhan financial service center and the implementation and guarantee of intensive management system are discussed.Through the detailed design of the target,the advantages,the organizational structure,the division of responsibilities and the human calculation,the detailed design of the retail credit business is carried out,and the retail credit is put forward to build the retail credit.Loan business intensive management system design scheme.