The Design And Implementation Of Micro Company Loan Manage System

With China's entry into the WTO, banking gradually opening to the outside world. In the economic globalization, information, knowledge-based, market-oriented, both the developed and developing countries, Small enterprises as the socio-economic factors, the most active in its national economic development have not be ignored, cannot be replaced role. However, the development of SMEs in general there are five major difficulties, namely:market access difficult, financial intermediation difficult, talent introduction of hard, difficult, and technology applications, information sharing difficult, this is to limit the financial intermediation in which the development of SMEs one of the most important factor in. As China's socialist market economy, establishment and improvement to speed up the development of SMEs is an inevitable strategic choice. In order to support China's economic development strategy, Harbin Bank launched a micro-enterprise lending operations. The main starting point is to solve the small enterprises due to security, lack of collateral, and credit indicators are difficult to quantify issues such as problems arising from the financing cannot do anything. In order to achieve scientific and modern management, and improve the agricultural credit business management efficiency and quality of the urgent need to develop an integrated loan management system to reduce the labor intensity of the staff, improve operational efficiency and to ensure that the lending process and the accuracy of the data integrity, and for the future data analysis and data mining lay a good foundation.In this paper, JSP-based three-tier software architecture Struts. Use of Proxool, XML parsing technology, use DB2 database, designed and implemented a micro-enterprise loan management system, and through the design and implementation of this system to replace the existing personnel manual management of credit loans the status quo. This paper implements the management of micro-enterprise loans involved in the conventional business data processing related to functional modules implemented on the micro-enterprise loans of five categories, accounting treatment, the analysis achieved good results, and applied to a specific practice.This system is to support the bank microfinance, business development, improve the elaborating management level. In order to adapt to the short, frequency, fast microfinance business development and improve practitioners working efficiency and improvement of risk control ability, promotes the microfinance business in sustainable, risk reduction, profitability, and competitiveness of management level, gradually realize microfinance business normalization, standardization, routing.In this paper, complete management system for small business loans through the system functional testing and system performance testing to achieve the design objectives and requirements, and to be applied in Harbin Bank has achieved good results. The system data standards is the People's Bank personal credit information in accordance with the design and development of data standards, and has good versatility for future personal credit information and customer analysis, risk management has laid a good base.