The Design And Implementation Of The Credit Limit System Of Credit Management For Commercial Bank

The commercial bank was the financial enterprise which making profit by deposit, loans and other middle services. The basic factor of the management and the risk control for commercial bank was to restrict the behavior of the loan and to manage the practice. The management result for the bank was impacted by the status of operating the credit directly, and the property structure for the bank was determined by the quality of the credit directly.The Credit Limited Management System was the one of the most important part for the operation of commercial bank. It was a united management platform used for maintaining, using and restoring the credit limited. We used the credit management policy of the China Communication Bank as the business base line for the system, and it suitable for the credit business of any other commercial bank of China. It provided a unified and normative management for credit business, and it also provided a normal operation criterion. At the same time, it could adjust the configuration of the business process flexibility; as a result, it provided very important functionality for adapting the policy development of commercial bank.In order to adapt the various business demands of different commercial banks, we consider using the component construction design. For the system technical implementation, the system built up by using B/S structure, utilized the Object-Oriented technology and used Struts technology, and it split the system based on MVC pattern. First of all, the system used the Hibernate technology to encapsulate the operation and communication detail between business layer and persistence layer. Because of that, we could focus on dealing with the business logic; second, the system using Spring and XML template technology in order to further subdivide the session layer and the business layer. We can customize the business logic operation by using template, all of that base on Dependency Injection pattern which could reduce the relationship between each layer, and it could to present the user interface of the system in a unified way. The system used Drools rules engine technology to carry on actual business rule operation which realized the customize functionality of business rule. Because of the module technology was used in all the development history, it enhanced expandable capability of the system, and meanwhile, we used work flow engine middleware technology to carry on the control to the business flow, so that we can focus on designing and developing the business unit but don't care other thing. Finally, the system used EJB and Web Service technology to provide the service interface, because of that, the system became an open business operation platform. For the system functionality composition, the system implemented the use control of the examination and approval for the credit limited; it carried on the surveilaance and warning the exception for the status of the service; it provided the query service and report counting service for the credit limited; it also provided the authorization maintenance service and the service dictionary maintenance service.The system has been running online successfully for China Communication Bank form May, 2006. The status of the system is stable and very well. It has become one of the primary systems for the credit management of the China Communication Bank. Otherwise, the system has served for China Minsheng Banking Corp., Ltd, Guangdong Development Bank and etc. The enhancement for credit limited system analysis model, it is the future of the credit limited development. It is the blank for the current system. In the future, we will design and development for the functional module and it will provide the analysis service independently.