The Research And Implementation Of Loan Impairment Allowances System

Today, risk management in commercial bank management is seen as a priority and key. How to control risks effectively has been the hot spot of theoretical research. As an important means in which banks against the risk, loan impairment has been focused by banking regulators and accounting standard setters after the international financial crisis. The main work of this article is to research and design a set of system of loan impairment to achieve electronic management of impairment on loans efficiently and accurately to improve the efficiency of loan management of Harbin Bank and to guard against risk better.Firstly, this article elaborated the source, background and significance of the subject and the status at home and abroad. And then it focused on all the work in analysis and design of system of loan impairment. Secondly, it introduced the key technologies involved in the design of system and instructed the results of implementation phase.Loan impairment allowances system is developed and designed based on B/S model, J2EE technology architecture and MVC pattern. This article contains organization use case diagram, functional structure, sequence and system activity diagram based on UML technology. The system uses the XML configuration technology to deploy the system, using the servlet to set a single entrance, using Stateless Session Bean to achieve business processes, using Entity Bean and ORM technology to achieve access to the database. In the realization of the system to ensure that the application also has a good scalability, flexibility, and maintainability.As the subsystem of credit management system, loan impairment allowances system not only meet the need of lending in Harbin Bank, but also realized the update of overall technical architecture. The system realizes the electronic process of loan impairment provision, which is a large innovation for Harbin Bank.