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本文以实际调研Z小额贷款管理公司核心业务为背景,以业务流程优化理论为指导,分析Z小额贷款管理公司贷款审批业务流程现状及存在的问题,提出了基于IT的小额贷款审批业务流程优化方案,在提高贷款审批效率及风险控制能力等方面起到了积极作用,另外从组织机构设计的角度,提出了基于优化后业务流程的组织机构优化方案。
Based on the actual investigation of the core business of ZMCL, and based on the theory of business process optimization, this paper analyzes the status quo and existing problems of the loan approval business process of ZMLL, and proposes the examination and approval of small loan based on IT The process optimization program has played an active role in improving the loan approval efficiency and risk control capabilities. In addition, from the perspective of organizational design, the optimization program of an organization based on the optimized business process is proposed.