In order to further improve the quality and efficiency of credit services and shorten the operation process of credit business, Wenshang Rural Commercial Bank has upgraded and optimized the existing loan application, review and approval processes, comprehensively promoted the "paperless loan" model, converted credit information from paper to electronic data, and gradually reduced the printing, copying and round-trip reporting links, saving time for customers to handle loans, simplifying complexity, saving time, and significantly improving customer loan application service experience and loan handling efficiency. At present, the bank has issued 3,658 retail loans through "paperless loans", with an amount of 439 million yuan.
According to the basic requirements of the credit system, under the premise of ensuring that there is no legal risk, Wenshang Rural Commercial Bank has minimized the deletion of paper loan materials, optimized the original paper materials of more than 40 items to 24 items, streamlined more than 10 customer signatures to 5, and reduced the more than 100 pages of copy materials of corporate loans to no more than 30 pages. At the same time, according to the customer's return visit opinions, for loans of less than 300,000 yuan, the signature of the guarantor's spouse can be exempted. System rating customers need to complete the rating process in the system according to the regulations through investigation, review, approval and other links, the materials reported by the subordinate bank should be scanned and uploaded through the system, and the superior bank no longer accepts paper materials, which provides a guarantee for the simplification of the loan process, effectively allows customers to feel the convenience of handling loans, and minimizes the loan threshold.
At the same time, real-time review and approval, after the loan image data is uploaded to the credit management system, the examiners carry out online review in real time, and the loan review committee is also transferred from offline approval to online, ensuring online centralized approval twice a week. In view of the online review and approval process, the implementation rules have been formulated to clarify the responsibilities and risk points of each link to ensure the legal compliance of online operations. Streamlining the review and acceptance and review links, clarifying the low-risk credit business and some special credit changes, simplifying the image authorization approval process, centralizing risk review, and reducing the phenomenon of irregular and inconsistent credit data not only greatly improves the efficiency of the inspection of credit business, but also reduces the risk of file loss in the process of drawing archives, and the quality of credit data is significantly improved.
In addition, Wenshang Rural Commercial Bank has established and improved the supervision and assessment mechanism of risk review, and the word "strict" has taken the lead, so as to improve the risk management and control ability of all loan personnel. For each loan handled, at the beginning of the next month, the post-loan inspection center will conduct a full-process inspection, and timely supervise and correct the problems found in the inspection, deal with the responsible person as appropriate in accordance with the principle of due diligence and exemption from liability, regularly sort out and summarize the problems and then issue a study throughout the bank, continuously increase the integrity and timeliness of the customer manager's image data upload, improve the customer manager's awareness of paperless loans, start from the bits and details, and lay a solid foundation for the comprehensive realization of paperless office.
Through continuous optimization of process design, wenshang rural commercial bank paperless loan model works well, the speed of review and approval is significantly improved, and paperless loan handling has achieved initial results. In the next step, the bank will further innovate methods and measures to make loan application, review, approval and post-loan management more process-oriented, convenient and compliant, improve the level of convenient services, save customer loan processing time, and provide customers with better and faster financial services.
Qilu Evening News Qilu one-point correspondent Xiang Shufen Liu Qianqian
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