Research On Optimization Of H Company Consumer Finance Business Process Management

With the transformation and upgrading of the national economic structure,consumption has gradually replaced investment as the main driving force of the national economy,and the consumer finance industry has played an important role in promoting the high-quality development of the financial industry.Company H mainly engages in core businesses such as third-party payment,consumer finance,supply chain finance,sales of financial derivatives,etc.In the process of consumer finance business expansion,the transaction scale grows rapidly,and the overdue rate of consumer loans rises rapidly,which seriously affects the company's business performance.In the process of Company H's consumer finance business expanding,there are some problems,such as high overdue rate of loans,loose access policy,insufficient risk control ability,illegal intermediary arbitrage,unclear staff responsibilities,etc.The internal leaders of Company H think that the main reason is insufficient risk control ability,but in essence,it is a loophole in the system.Financial business process management needs to be improved.Through the research on the optimization of Company H's consumer finance business process management,it helps to clarify the rights and responsibilities,standardize the business processes,and realize the mutual restriction between the executive power and the supervision power.Control non-performing loans ratio,improve risk control ability,and realize risk empowerment to business;Standardize the operation behavior of sales personnel,improve the incentive system,and realize the benefit from management;Provide reference for units in consumer finance industry.Through the research of process management theory and business process optimization theory,this paper finds out the existing problems of Company H's consumer finance business through a fishbone diagram,and dissects them.This paper analyses the business process of Company H's consumer finance,and points out the causes of the problems in the business process of Company H's consumer finance by using the method of internal factor evaluation matrix.ESIA method is used to propose optimization methods and strategies.According to the design of process management optimization scheme,the key business processes are screened out,the approval process is optimized to balance risks and benefits,the invalid activities in the process are optimized,the process is standardized to reduce exceptions,improve the efficiency of the overall process,and coordinate the company's organizational structure,personnel management,product management and risk management of supporting optimization strategies,from the point of view of the whole process management optimization,consumer finance business is rectified to ensure the implementation effect.Taking Company H's consumer finance business as the research object,the author combs the process management with literature research method,case analysis method,flow chart method and other research methods.Through the analysis of the problems in its business development process,the author finds out the reasons for the high overdue rate and put forward the optimal design scheme,supplemented by corresponding supporting and safeguard measures to ensure the implementation.Through this study,the author hopes to streamline,standardize and trace the consumer finance business,so as to realize the mutual restriction between the executive power and the supervision power,and to seek benefits from risk control and management.It provides the research reference of process management optimization for the development of consumer finance business.