Research On Improvement Of Credit Business Process For Small And Micro Enterprises In JS Bank

Banks are the foundation for the development of China’s financial industry and an important force in social and economic development.Since 2020,corporate credit business has increased significantly in commercial banking business,accounting for 50% of all banking businesses.Especially under the current strategic background of "mass entrepreneurship and innovation",inclusive finance has developed rapidly,and commercial banks have extensively conducted credit business focusing on serving local enterprises and targeting small and micro enterprises.At the same time,a sudden epidemic has also made small and micro enterprises face a severe test.At this time,it is particularly important for the government and banks to focus on supporting small and micro enterprises.With the rapid development of inclusive finance,the risks of credit extension business for small and micro enterprises have become more prominent.In the new financial environment,it is particularly important for commercial banks to do a good job in corporate credit business,especially in small and micro businesses,to ensure sustainable business development.On the one hand,we should optimize the process of pre loan investigation,do a good job in risk prevention and control,and achieve personalized,differentiated and independent marketing strategies on the basis of the existing credit system.On the other hand,it is necessary to optimize the credit business process,solve the problem of lengthy credit approval processes,improve customer satisfaction,and actively innovate in systems and products to improve the market competitiveness of commercial banks.In addition,the main path for commercial banks to reduce credit risk and achieve procedural operations is to improve the comprehensive ability of bank credit business.This paper takes two kinds of small and micro enterprise loan products of JS Bank as the research object,combs the problems and causes in the credit business process,and points out the necessity of optimizing the credit business process of small and micro enterprises.Introduce the lean six sigma method,especially the application of DMAIC model in the small and micro enterprise loan process,and use two real cases of JS Bank to discuss in detail the application of lean six sigma method in the small and micro enterprise credit process optimization.ECRS analysis method is used to analyze the average time and variance before and after the optimization of credit process,and the reduction of credit process time after optimization is intuitively felt.The optimization scheme of credit process for small and micro enterprises of JS Bank was put forward again,and new credit management process was proposed from three dimensions(before,during and after loan),and corresponding safeguard measures were put forward.The idea of JS Bank’s credit process optimization for small and micro enterprises proposed in this paper can help banks further improve the credit approval system for small and micro enterprises and improve the efficiency of credit approval.At the same time,as an industry case,it provides learning opportunities for other banks and other financial systems.