Research On The Optimization Of Credit Business Process Of Changchun Rural Commercial Bank

In recent years,Chinese three major industrial restructuring and upgrading have changed the traditional economic growth model.Internet finance has emerged and interest rate marketization has developed,which has brought huge impact on the development of China's financial industry.The loan default rate continues to rise,and commercial banks are also facing various tests of credit management in their operations and management.Due to the existence of historical problems in China's rural commercial banks,the level of credit asset management is relatively low,and there is a general lack of competitiveness in financial markets.In addition,rural commercial banks adopt extensive management models,which often expose them to credit risks.Therefore,China's rural commercial banks should proceed from the current new normal and new forms,optimize existing credit business processes,and formulate scientific and sound loan decision-making mechanisms and restraint mechanisms.The construction of “process banking” began as early as 2005 when major state-owned commercial banks began.China's banking industry has gradually moved from the original sectoral banks to the market-oriented competitive development.However,there are huge risks in the highly competitive market.Credit risk,interest rate risk,liquidity risk,operational risk and other risks are reflected in all aspects of bank credit business.For the current Changchun Rural Commercial Bank,the loan process system has no risks to avoid some risks.Therefore,from the perspective of risk prevention,the optimization of loan business process is also inevitable.At the same time,the current market competition is fierce,and major banks are studying.The new business has successively developed credit products that are more suitable for the market and more suitable for customers.The network finance has developed rapidly,and various new things are born every day.The requirements of customers are getting higher and higher and the demand is wider and wider.Therefore,it is of theoretical significance and practical significance to study the optimization of credit business process of Changchun Rural Commercial Bank.This paper mainly studies the problems and causes of the credit process management mechanism of Changchun Rural Commercial Bank.After summarizing and summarizing the relevant research results of credit process management by domestic and foreign scholars,it puts forward effective from the perspective of risk control and management.Optimize the credit process of Changchun Rural Commercial Bank,and effectively improve the bank's operating efficiency and risk management and control,and help Changchun Rural Commercial Bank to gain a foothold in the financial market.In addition,it is hoped that the research in this paper will provide reference for rural commercial banks in other regions to effectively optimize existing credit business processes.This paper is divided into four chapters.The first chapter is the introduction,which explains the basis,significance and research methods of the topic.The second chapter mainly describes the organizational structure and credit business process of Changchun Rural Commercial Bank and the existing problems.It mainly analyzes the causes of the problems existing in the credit business process.The fourth chapter proposes the specific scheme of the optimization of the credit business process of Changchun Rural Commercial Bank and the safeguard measures needed to realize the new business process plan.