Study And Implementation Of Loan Credit Guarantee System

Small enterprises often face trouble to apply a loan or assurance from financial organizations, because of their small scale and lack of necessary hostages. To solve the problem many governments build their own guarantee frameworks. Basically such frameworks aim to provide small enterprises credit guarantee to help them get loans from financial organizations, meanwhile they can also strengthen the confidence and share the risk of financial organizations, therefore help small enterprises to develop healthily.As guarantee affairs are often complex and concern wide range of knowledge, it is hard to promise a rapid and accurate information processing simply by traditional manual way. One effective way to settle that problem is to design management information system which could satisfy the requirement of guarantee operation. This paper presents a such kind of system, a loan credit guarantee management system developed for a Japanese guarantee association. The system includes two parts as management of guarantee application and operation management after providing guarantee, and is able to accomplish a series of operations like customer information management, investigation management, overdue subrogation, reclamation, nighttime balance operation, query operation and so on. As during guarantee affairs guarantee association often fails to reclaim the loan completely after providing substitutive compensation service, because violation of agreement often happens.The system is designed to provide risk surveillance service to managers of guarantee association, through periodically estimating a customer's credit level, and drawing risk surveillance graph.This paper is a conclusion of the practice of the international cooperative project. The concept on credit assurance and Japanese credit system are introduced first, meanwhile some relative knowledge on credit risk management is also concerned. Then the system realization is described in detail with the three aspects on assurance application sub-system , operation management sub-system after guarantee and system maintenance sub-system. At the end of this paper a credit level estimation model is presented, and this model plays an important role during guarantee operation management and risk surveillance.