Credit Management System Of China Agricultural Bank

With the development of market economy and the joining of WTO commercial banks should be more competitive than usual. The modernization management and scientific policy decision will inevitably become the important means to competitive and develop .the advanced computer technical and network communication have become the essential instrument and precondition to make reasonable management and participate in competing. CMS(credit management system)will use various of advanced computers and network technique ,on the base of the first stage system ,making a breakthrough and improving the technique and management .The application of this system will play an important role in developing credit service and managing in our bank. This system'target is to adopt data integration. To install data center in provincial branch bank, making the whole province'concentration of credit data come true and share it with others. Online gathering business data provide the technical foundation and safeguard for authentic and comprehensive reflecting property quality, keeping a lookout of property risk timely. The data's browse and inquiry can realize through Internet and web browser. The establishment of Agriculture Bank's client data of juridical person and client data of natural person together with the data management which according to client's basic clue will provide necessary data and technical foundation for realizing of modern bank's management model based on clients. The conception of data warehouse is using modern computer technology to deal with business data, making timely and scientific gathering analyses and forecast to reflect our bank's asset running condition. It also provides decision makers'authentic comprehensive and scientific decision basis. This system covers Agriculture Bank's every credit services, it is the unification of self-service handles, domestic and alien currency business, in and out form business, conventional and professional business. Business data centralize management is the trend of technique development, it can effectively solve the problems which cased by data decentralize management; meanwhile it can reduce the workload of safeguarding the system. Data centralized management have these characteristic: The amount of users is very big, including several of operators and decision makers, so the data center must have the ability to satisfy all users'request (A branch bank may have 3000 users). The system also requests a high performance. Three-layer system structure refers to the database service installed in every province's branch bank. Database interactively connected with client but adopt a middle trade application server in client server and client, composing a typical three-layer system structure. In the three-layer system, the middle machine makes the dealing with large-scale business come true. The key conception is that business logical, express logical and data storage distributed in different treatment layer. The following is the specific describe of the three-layer system structure: (1).First layer: client this layer let express logical realized, it facing operators. This layer's function: provide users operator interface, so the users and computer's intersect and data express will come true. It also provides the second layer application server, various request, feedback dealing result to users. This layer generally has a simple calibrate or even no. (2) Application server: It is a middle layer, which is mainly used to achieve the professional logic. It constructs and uses to form connecting link on the basis of trading the middle element. Particularly, it mainly the functions: 1) Application server connects the client and receives the request from the client to the database. And then, the request will be submitted to the database of the central bank. At last, the processing result returns to the client; 2) Application server is responsible for task call from service process, load balance and the work of fault repair to guarantee the system host highly executing. 3) In the applicationserver, professional logic fulfills the rectification of most of the professional logic. When the professional logic changes, it only needs to repair the procedure of servers. It is unnecessary to update all the clients. Meanwhile, it also reduces the load of the clients. (3) Database: It constitutes the third layer of the system. This layer is in charge of storage data, manage data resource, response data request and complete data operation. The system functions: (1) Customer management: It manages the client information and makes the dispersed information become the sharing information of each bank. It also provides the information data for the client management activities from each bank. (2) Decision management: In this system, decision management is mainly used to decide information acquisition, information management and control management, which is a key link among the process. It includes the handled professional work, survey, and examination and approve of credit service. Its design thought is that offers information, assists decisions, norms activities and control examination and approve. Account management: It is processed the daily work by client manager after the bank confirms the credit of clients. (4) Property management: It means that credit management department is for the supervision of credit property. It includes: Post-loan management: Through checking the case of credit from clients periodically or non-periodically, clerks find out the problem exists in the use of funds. They study the countermeasure and adopt measures to ensure security, mobility and benefit; Loan classification: It is used to reveal credit's actual value and risk extent in order to react the quality of credit. It is used to find out the problem that exists in granting, management, supervise and taking back among the harmful credit. It includes both grade four and grade five classification; Risk early warning: It means that warns early to the signal, which will affect the safety of credit property. It remains credit clerks to prevent so that the leaders can adopt some protective measure to reduce the risk before the risk forms; Credit gradeevaluation: It evaluates the credit of clients and debt paying ability on schedule in order to provide information for decision management. (5) Data query: According to what the clients need to query, it is the information from the present data resource in the system, which clients need to query. It penetrates the whole operation process of credit management system. According to the content, it's composed of client data query, organization data query, comprehension data query and strange land data query. (6) Data analysis: It collects and analyses for the detail data and middle collected according to the certain subject and purpose in order to satisfy the request from the work of credit management, which there are lots of report forms, changing quickly and the complicated form of expression. The amount of work will be reduced through data analysis. The software system is being on line and engenders a good effect.