Research On Corporate Credit Business Process Optimization Of MM Bank

In the era of fintech,in order to further promote the development of the economy,financial controls have been gradually relaxed,and the capital market has developed rapidly.Commercial banks encounter various problems in the process of operation and management,not only the market competition becomes more intense,but also the contribution of large and medium-sized enterprises in the society to the development of commercial banks begins to gradually decrease.In this environment,MM Bank began to actively carry out small and micro enterprises to public credit business market opening and innovation.Although the small and micro enterprises of MM Bank have achieved considerable development in public credit business in recent years,there are problems in all aspects of credit business processing,such as single application channel,complicated approval documents,long credit cycle and so on,resulting in low efficiency of overall loan business processing.In this paper,through empirical analysis,the relevant pain points of MM Bank’s small and micro enterprises on public credit business management link are discovered,and the corresponding solutions are proposed to further optimize MM Bank’s small and micro enterprises on public credit business management process,so as to improve business management efficiency and control credit risks.In addition,corresponding adjustments were made from the organizational structure,human resources,technology and other aspects of the department to promote the smooth implementation of the business process optimization scheme.It is also hoped that this paper can provide useful reference for small and micro enterprises of similar commercial banks to optimize the public credit business in similar process.