Research On The Optimization Of J Commercial Bank's Second-hand Housing Credit Approval Process

As a hot issue in the field of Finance and management,the optimization of bank second-hand housing credit business process has been highly concerned and valued.With the deepening development of economic globalization,many foreign banks have entered the Chinese market,which poses a great challenge to the business development of commercial banks.In order to occupy a dominant position in the fierce competition in the industry,commercial banks must strive to enhance their core competitiveness,fully learn from the advanced experience of foreign banks,actively optimize business processes,improving business processing efficiency.J commercial bank must also proceed from the current development situation,and constantly optimize the existing second-hand housing credit business process.In this paper,the comprehensive use of commercial banking,management,related content,and strive to study the J commercial bank business process from the theoretical and practical aspects.By using the methods of literature research,comparative analysis and field research,this paper analyzes the existing process of the second-hand housing credit business of J commercial bank,and summarizes the problems existing in the existing process:the existing process is still around business development,and does not insist on starting from customers,taking into account the actual needs of customers,resulting in business Office The management process is too complicated,"multi-leader" phenomenon is prominent;the existing process of the new Xinhua system is not in place,the process of standardization is insufficient;the barriers between the various departments of the bank,business process communication link is not in place,affecting the efficiency of second-hand housing credit business;the existing performance appraisal system is not perfect,unable to.Effective linking up with job responsibilities,lack of incentives for employees,it is difficult to prompt employees to implement their job responsibilities.In view of the above problems,this paper analyzes the Optimization Countermeasures of J commercial bank's second-hand housing credit approval process.The bank's second-hand housing credit business process must adhere to the customer-centered,to build a team of customer managers,fully responsible for the entire credit process of users,to meet the needs of customers in many ways;the bank must optimize the existing credit process.It is necessary to optimize the traditional organizational results,adopt matrix organizational results,and reduce the operating costs of the process.It is also necessary to optimize the performance appraisal process and effectively combine the performance appraisal with the existing work responsibilities of employees.Under the guidance of the theory of business process optimization,this paper tries to form a concrete scheme of the second-hand housing credit process optimization of J Commercial Bank.This is conducive to innovating the concept of credit risk management,improving the credit risk management system,innovating the existing bank credit process system,promoting the development of bank credit management,and improving production and operation management.