Research And Implementation Of Bank Credit Management System

With the development of banking, handwork operating and old management pattern have already seriously restricted the quality and efficiency. It is very necessary to replace handwork management with computer management system. With the development and reformation of financial system, a loan-management system should be constructed to share the information and restrict operation within the rules and regulations. This paper focuses on the workflow of constructing a loan management system which is safety, efficiency standard and easy to be operated. Along with the computer technology development, the bank has experienced three stages in computer techniques application: application in service, data from branch centralism, application in bank management. Although the present finance domain is carrying on the data centralization and various banks are gathering service data to general headquarters for centralized management gradually, there are still many services data need to be manually transmitted in written form, moreover mainly from some business agency to other higher department authority managers repeatedly. This kind of repetition work has enlarged the business office's load, also affects the efficiency in the certain degree.The bank credit management system's function is mainly the effective management to credit operation of various banks. The loan is the commercial banking core. The loan not only accounts for the majority of the commercial bank property, moreover it's the main source of the income. It plays a vital role in carring on the effective electron management, strengthening the bank credit property security, improving the credit management, standardizing service flow, and strengthening the scientific nature in credit forecast and the policy-making. Speaking of the bank credit service, regardless of overseas or domestic, also which bank regardless of is, although there are slight differences in services, and the interest computation is also different, the credit essence is quite the same. Since our country joined WTO, service of various banks has been gradually meeting the international standards.The development of bank credit management system has following benefits: First, it is helpful to realize the transform of the bank informationization from "take the service as the center" to "take the customer as the center" ; realize information sharing, the resources conformity and the comprehensive utilization; establish solid foundation for the bank customer development, the service , the synthesis finance management, and the risk guard. Second, it is helpful to further strengthen the application of information technology in the bank risk management , and realize risk management modernization. Third, it is helpful to impel the bank management and the decision information, and comprehensively enhance the bank management and the risk guard by gradually realizing optimized conformity of the service flow and the management flow as well as interior mechanism and the information flow with the information technology. In order to realize information sharing to greatest degree, fully manifest the information timeliness, strengthen the standardized management of the data and the information transmitting between the headquarters and branch offices and realize the finance data message issue and financial information sharing, we must establish the credit management information system at enterprise level and construct safe, effective, standard system management platform which is easy to operate and the message is classified during processing. The establishment of this system is to have positive function to guard against the financial risk and promote finance service, impel finance innovation and enhance enterprise's competitivity .The bank credit management system is a large-scale information management system getting all the bank credit operations together. It is based on the bank credit, the demand to property risk management service and modern computer soft hard environment. The system collects service foresightedness, application openness, routine maintenance simpleness, and has provided a set of comprehensive integral automated work methods for superintendents and the credit operation personnel of all levels. Its development and the application will bring brand-new transformation to the credit management method, and fundamentally enhance the potency of the credit management. Its development is also helpful to realize the transform of the bank information to "take the customer as the center" the transformation. It is also helpful to further strengthen the information technology in the bank risk management application and impel the bank management and the decision information, comprehensively enhance the bank the management and the risk guard. The goal of bank credit management information system construction is: Realize computerization in the entire process of loan business (except bookkeeping calculation) through such information as customer and account provided by the sharing finance service platform. Enhance the working efficiency and quality, control risk and increase the management dynamics to provide customers the high-quality service.This thesis analyzes the domestic and international development condition nowadays of the bank credit system, briefly explains the main problems of the system realization, and generally describes the whole system; It particularly illustrates the methods of "need analysis" and "need obtain", and brings up specific achieving techniques and achieving methods for the key issues in the process of achievement.This paper primarily introduces the project argument, the structural characteristic design and the behavioral characteristic design of the bank management system. The general design idea, the database design and the functional module design are discussed in detail. This system mainly consists of seven functions including the system management, the documents management, applying for the loan, examining and approve the loan, returning the loan, settle accounts and it's emulation, integrated statistics and query etc.In Bank Credit Management System design, the safety, consistency, stability and reliability of the database are considered, and the strong guidance function is adopted. This system can satisfy the customer's operation easily and offers a friendly user interface. By using this system, we believe that waste of the time and space will be greatly reduced and plenty of manpower and material resources for bank will be saved.