Research On The Optimization Of The Real Estate Mortgage Loan Business Process Of Zhongyuan Bank

With the rapid development of financial markets,the competition between more and more fierce Banks,to enhance their competitiveness,we must optimize the business process,build a scientific and effective business process,to improve work efficiency,provide customers with better quality service,improve customer service experience,maximize efficiency,so as to obtain more economic benefits,and gain more advantages in the competition.The optimization of the real estate mortgage loan business process of Zhongyuan Bank is very important.It is necessary to make reasonable design according to the market demand,establish an effective organizational structure,implement reasonable risk management,and adopt effective technical means to provide customers with the best quality service.This paper first introduces the basic situation of the central bank real estate mortgage business,through the questionnaire and interview method of combining,the business process,found that the central bank real estate mortgage business process has some problems restricting the development of the business including the responsibility is not clear,low electronic degree,examination and approval process long node and customer satisfaction is not high.The main reasons for these problems are that there is no customer demand as the core,unreasonable traditional organizational structure,complicated business processes,and low degree of information technology.Secondly,according to the objectives and principles of the business process optimization of real estate mortgage loan,we propose corresponding process optimization solutions for the problems existing in the business process,including the application of paperless business system,electronization of business process,simplification of business operation process and increasing the application of electronic technology.Finally,in order to ensure the smooth implementation of the optimization of the mortgage loan business process of Zhongyuan Bank,the corresponding safeguard measures are put forward from four aspects: organizational level,individual level,technical level and external environment,so as to ensure that the process optimization achieves the optimal effect.This paper takes the real estate mortgage loan business of Zhongyuan Bank as an example to analyze and study,according to the problems existing in the current situation of the bank business process,formulate a reasonable process optimization scheme,and take effective safeguard measures to ensure the smooth progress of the process optimization.Provide theoretical and practical guidance for the real estate mortgage loan business of Zhongyuan Bank,achieve the goals of optimizing the business process,improving work efficiency and improving customer satisfaction,help the sustainable and healthy development of the real estate mortgage loan business of Zhongyuan Bank,and maintain advantages in the fierce competition.