Research On ZL Bank Loan Business Optimization

At present,the domestic economy has entered a “shift period” of structural adjustment and medium-and high-speed growth,and the Chinese banking industry is also at a critical stage of development and change.As the first city commercial bank in Central Province with a dual background of central enterprises and local governments,ZL Bank has been regarded as a “new model” for the reform of state-owned enterprises’ mixed ownership because of its focus on deepening tourism finance business.In recent years,affected by the economic operation into the new normal situation,ZL Bank actively responded to the call of the state to support the development of the real economy and small and medium-sized enterprises,giving full play to the advantages of its own “tourist financial experts” and constantly exploring the characteristic credit delivery model.The scale of corporate loans is steadily Growth,and strive to serve the healthy,sustainable and high-quality growth of the economic society,especially tourism-related industries.However,with the changes in the economic situation,the adjustment of the national financial policy,and the overall strategic transformation of the bank,ZL Bank has many problems in its current loan business.For example,the loan structure deviates from the main track of tourism and the dominant position of tourism characteristics is not prominent enough;The approval efficiency is low,resulting in the loss of some customers;the lack of business and the internal control mechanism have some disadvantages such as high risk of some loans.The existing credit business,whether from the long-term planning and the management of specific processes,or the credit structure and product innovation,can not adapt well to the new economic situation requirements,which restricts ZL Bank’s leap-forward high-quality and steady development to a certain extent.In this context,this paper focuses on the current status of ZL bank loan business,pointing out that the current loan business is not optimized enough in terms of scale and focus areas,business processes and structure,based on the deep-seated reasons behind the problem and analysis,from the loan The three aspects of structure,business process and product innovation proposed improvement and optimization measures,and researched and formulated relevant supporting measures such as adjustment strategy,upgrading technology and talent incentives,and hoped to better promote the rapid,sustainable and healthy development of ZL bank loan business.Through the optimization of ZL bank loan business status,existing problems and management model,loan structure and product innovation,the article aims to effectively improve the ZL bank loan operation status,promote the development of tourism characteristic finance,and strive to improve the overall service quality.The goal of China’s tourism financial services benchmark is steadily advanced.At the same time,I hope to provide some theoretical reference and experience for the reform,innovation and improvement of loan business of other similar financial institutions.