Research On The Business Process Optimization Of Small Loan For Farmers In W Branch Of Agricultural Bank Of China

"Three rural" issue has always been the top priority of China’s economic development.Only agricultural stability can develop the second and third industries and bring about economic and social stability.However,W District is rich in agricultural resources and develops rapidly.Although the urbanization process is more and more in-depth,farmers engaged in agricultural related production and operation activities still account for a large proportion,and their economic income is mostly low.A major problem in production is the lack of funds.In the context of Inclusive Finance,what methods should be taken to achieve the goal of rural financial service innovation Therefore,how to use the financial service innovation to promote the agricultural industrialization of W District more effectively is an important issue in front of the financial institutions of W District.W branch of Agricultural Bank of China is committed to serving "agriculture,rural areas and farmers",launching small loan business for many farmers,continuously improving the amount and coverage of their capital,and alleviating their capital pressure on production,but there are also many problems in this process.This paper introduces the general situation and development mode of rural household credit business of W branch of Agricultural Bank of China,and analyzes the problems faced by its business development.Through descriptive analysis and correlation analysis,it finds that the traditional "offline acceptance" loan mode has complex procedures and high human cost,while the existing"online acceptance" application conditions are strict,so it puts forward to abandon the past By using the core idea of "bank process reengineering theory",the "business centered"process design concept of "bank process reengineering theory" is transformed into the"customer-centered" concept for process reengineering.By means of information technology,the whole small loan business of farmers is transferred to the network,and the new mode of "online acceptance,automatic approval,self-service extraction and repayment" is realized.The process optimization of farmers’ microfinance business can not only effectively promote the long-term stable development of farmers’ microfinance business,enhance the competitiveness of the industry,but also help farmers get more efficient financial support.