The Design And Implementation Of The Grant Credit Center System Of Credit Management For Commercial Bank

The credit business was the most complex for decision, the most difficult for management, the most urgent for risk control and the most important profit of the commercial bank. The credit business contained multitudinous operation key point and huge information, and the business service cycle was very long. It needs to be restricted work flow process and built up the standard management. It will be limited us to make the scientific management and the integration decision analysis, and it also limited us to reduce the credit risk if we only depend the manual operation. Therefore, because of the finance reform deeply, commercial bank needs to establish and consummate the credit operation platform urgently, and also needs to establish the finance risk control, the business operation, the policy-making support and the automatic work in a unified way, to build up the credit management system.Grant credit center was the core subsystem of the credit manage we mentioned in this article. It was the primary business data source of the whole credit management system. The primary responsibilities of grant credit center system were to management and monitor the credit limited business which has been approved. It includes specifically: Control the use of the credit limited, deal with the trade of credit business and manage the law documents and anything relationship with credit loan.The requirement of the system based on the China Communication Bank Grant Credit policy, it took the customer management as the foundation, to the work flow management as the base line, take the credit risk control management as the system goal, and take risk control model of Basel Agreement as the business process standard. It constructed according to B/S framework, and base on the technologies such as MVC, XML, Struts, Hibernate, APPC, MQ and etc, which built up a information platform framework between IBS and CMIS. The system contained the contract management, the credence management, the examination and approval management, the credit loan management and etc, total 10 functionality modules. It implemented the credit limited control, the standardized management of credit loan and credit law documents, and it enhanced and ensured the material safe and integrity, it implemented to control and survey the credit loan automatically, and it has provided timely and directly credit limited control and risk estimate multi-dimensional data demonstration, it also enhanced the efficiency and quality of the credit loan, and it reduced the work risk of the credit loan.At present, the grant credit system and other subsystem of the credit management has been published and it is serving for the China Communication bank, China Minsheng Banking Corp., Ltd, Dongguan Commercial Bank, Jinan Commercial Bank and Mudanjiang Agriculture Credit Bank. It is running well and stably. The result was prove the grant credit center system was completed the requirement both business and technologies successfully.