The Design And Realization Of Personal Credit Business Processing System

In 1998, China started economic policies to stimulate domestic demand and spur economic growth, and these economic policies promoted the rapid development of the real estate market. For commercial banks, personal credit has become an important profit growth part, and it shows broad market prospect. With the rapid development of business in a comprehensive opening financial situation, how to improve business credit management ability is an urgent task. It is very important to develop personal credit business processing system for banks and it can provide a good platform to help the development of commercial banks.This paper starts with the commercial banks personal credit business processing requirements, analyses on the important parts of a sufficient personal credit business processing system. Include:1. Define personal credit business processing requirements. Now the personal credit business processing of the commercial banks need to integrate all the personal credit business and manage the whole business data. It provides the standardization of business processing, operations, risk control. As a retail business processing system, the system's data storage is big and online transactions are large, according to the reasons, the business processing system should use stable technology to guarantee security, stability and efficient operation.2. Discuss of the main aspects. This paper pays attention to system design and system realization. As commercial banks based on hierarchical structure, so it is a problem to choose to use a centralized system or a distributed system. Early in the system development, because of the distributed system level corresponding to the operational management level, so it generally has a larger proportion, but with the improving of business management requirements, centralized risk control, the centralized system shows its advantages and has become the mainstream. The structure of application systems also have similar development with the B / S structure technology advancements, such system models with high reliability and maintainability have become the preferred mode of planning.3. The paper further compares the different system realization of the application layer and performance layer of the B / S structure. Through the contrast among the mainstream technical merits, finally it made a better model. In the third chapter made a summary of the system realization.4. Effective implementation of the system is inseparable from the specific technical support for the environment, this paper devoted a chapter discussed how to select the technology platform for the personal credit business processing system, including hardware (server) and software environment (operating system, database system), used some guide lines to considerate the mainstream hardware, software products. According to the results, a set of hardware and software products are recommended.5. Personal credit business is flexibility and it changes very frequently, so the business processing system needs to respond rapidly to business development, and it needs for a flexible mechanism for handling these facts. In this context, this paper presents a method of the components programming development, and which is based on components of the Java platform. This model treats the business transactions as a data model, all the facts in accordance with the mode are treated as performance logic, business processing logic, data formats, and different elements of service, which used them to pose for the environment and data services. The atomic transaction processing described by XML elements, step by step using XML to build a logic transaction. The separated between different layers guarantee only the right process can direct access to resources, and this ensures the resources controllability and system flexibility. In addition, personal credit business processing system should deal with the problem of large batch operations, and this show a growing tendency has become a main factor that affects stable development of personal credit business processing system. In the paper, it described an intelligent task scheduling engine that entirely independent of the specific quantities tasks. Using this engine, task scheduling strategy will be fully decided by the results of static and dynamic analysis of the behavior of tasks. All static characteristics of tasks are classified to parameters to improve engine flexibility and maintainability; according to analysis of task-dependent relationship, partial restrictions on the mission failures and improve fault tolerance. Under the conditions of the task level, it can execute 2-dimensional parallel processing, thus maximizing the throughput capacity and resource utilization. More importantly, the actual operation of each task scheduling of the recording and analysis, automatically scheduling of the next implementation of the strategy, called the feedback intelligent task scheduling. As a result, batch processing can be upgraded to a new level.6. Finally, the author introduces the design and realization process of an actual personal credit business processing system in a domestic bank. The paper described the whole phases from system organization and management, system development, system testing until the final product. This can be an example of other similar applications.Personal Credit Business Processing System as an important area of bank computer application, there are still many issues worthy of study and discussion. Based on the scientific theoretic, using some advanced technology, integrating the fruit and experience of predecessors, we have done some feasibility studies and explored some new ways, hoping to get some reference in similarity project.