Optimization Research On Consumer Credit Factory Model Of Hebei Branch Of YC Bank

At present,China’s economy continues to recover,and the ability of consumption to drive economic growth is also continuously increasing,providing customer support for bank consumer credit business.At the same time,the promotion and application of the credit factory model has laid a good foundation for the rapid development of bank overtaking on curves,and has also become an important lever for preventing and resolving risks.In order to seize new opportunities for the development of the digital economy,effectively create an innovative system that closely integrates the credit factory model and consumer credit business,and achieve the transformation and development of consumer credit business,YC Bank Hebei Branch has implemented the consumer credit factory model since 2017.Although this model has played a certain role in improving efficiency and risk control,there are still many problems that cannot be ignored due to insufficient support.This article first provides a brief introduction to the basic situation of YC Bank Hebei Branch,and focuses on analyzing the current operation status of the consumer credit factory model implemented by YC Bank Hebei Branch.By using lean management research methods such as fishbone diagram method and 5WHY method,combined with interview method and brainstorming method,it is found that there are inconsistent operating standards,insufficient professional level of personnel,and inadequate operational control in the current operation of the consumer credit factory model Unreasonable process design and other issues.Secondly,in response to the problems in the operation process of the consumer credit factory model,lean management concepts and tools are applied to propose optimization measures for the current consumer credit factory model,including six aspects: lean standardization,lean process optimization,lean on-site management,lean quality management,lean automation,and identifying value streams.The expected effects of the implementation of the plan are analyzed.Finally,explore safeguard measures from five aspects: strengthening organizational leadership,strengthening risk management,improving rules and regulations,emphasizing training and assessment,and enhancing ideological awareness,to ensure that the optimization plan for the consumer credit factory model based on lean management can be effectively implemented and truly achieve the goal of the consumer credit factory model.Aiming at the study on the optimization of consumer credit factory mode of YC Bank Hebei Branch,this paper provides practical guidance for YC Bank Hebei Branch to integrate risk control and lean management into the credit factory mode and improve the risk management level and business processing efficiency under the consumer credit factory mode.At the same time,it also provides reference for other banking institutions that plan to incorporate consumer credit business into the management of credit factory model.