The Design And Implementation Of Loans Business Management System For A County Level Rural Bank

With the continuous development of township construction in the Dingtao District of Heze City,many farmers have invested in the area of individual employment so that the number of township and village enterprises has increased,resulting in continuously increase of the loan processing business of the rural bank.Due to the imperfect operating system of financial institutions in the region,the work flow and the responsibilities are unclear in the process of accepting client's loan business.Existing resources cannot match the needs of the client,resulting in the phenomenon of insufficient total amount.Aiming to solve the above problems Dingtao District,Heze,adopts an information platform mechanism and decides to carry out the development work of the rural bank loan business management system.SSH framework is the main technology for the development of this system.Hibernate framework,as a representative,maps data tables to entities its mapping mechanism and complete data encapsulation through DAO.The processing result of each application is finally fed back to the jsp page.Components such as ActionServlet and Action are invoked during the processing.The relationship between the components is configured in the xml file.Business level processing is the main task of Spring framework technology.The Oracle database can handle the management of a large amount of data and it has backup and recovery tools such as RMAN so it is used in the data management of this system.Business functions of the system are mainly realized in asset trading.Asset transaction includes loan issuance,recovery,change,write-off,inquiry,asset transference,and management of collateral,letter of indemnity,and discount.Loan issuance can complete settlement review of loan issuance.Loan recovery can be used for loan exemption and write-off.Loan change involves loan term,loan interest rate,loan repayment plan,change of other information.Loan inquiry can do retrieval of repayment plan,collection information,arrears.Bank acceptance bill includes the report and cancel of the loss of bill of exchange,status inquiry,agreement preparation,enxashment entry.Loan statement transaction section can perform statistical work of business data,such as recovery of write-off,loan,upcoming loan,accrual adjustment,debt arrears,and issuance of write-off.The application of this system has brought conveniences for farmers,village and township companies and other financial institutions.All client can apply for a loan service through the platform,and can timely obtain the processing status of the individual business,reflecting the good transparency and sharing of business information.The loan business process of financial institutions such as village and town banks have been comprehensively sorted out in this system,which has enhanced the ability of relevant institutions to accept loan business,effectively assisting the improvement of the local financial mechanism and the increase in the activity of the operating entity.