本文针对当前个人经营贷款业务流程与小微企业融资需求、银行业务结构调整存在较大偏离度的现状,试着探讨个人经营贷款业务流程优化方向,力争实现内外部需求的和谐统一。本文通过对个人经营贷款业务流程现状、存在的问题进行分析,提出包括逻辑架构和实景展示个人经营贷款流程优化方案,详细阐述流程优化带来核心竞争力提升的具体表现。 In this paper, according to the current personal loan business process and the financing needs of small and micro enterprises, there is a big deviation in the structure of banking business. We try to explore the optimization direction of the business process of personal business loans and strive to achieve the harmonious unity of internal and external demand. This paper analyzes the status quo and existing problems of personal business loan business process, puts forward the optimization scheme of personal business loan process including logical structure and real scene demonstration, elaborates the specific performance of the process optimization brought by the core competitiveness improvement.