| Since the financial globalization trend and financial market volatility intensify in recent years, the risk management of commercial banks is becoming the international and domestic financial focus. A complete, processed credit business operating platform is playing an increasingly important role in improving business management level, enhancing risk control capacity and improving the efficiency of accurate decision-making for commercial banks.Commercial banks intend to use a strict and effective credit limit management to regulate and control the client concentration risk, standardize the operation and management of credit, and promote the healthy development of bank credit business. The bank's credit business process management platform could control the whole CLM process and further strengthen the credit risk control support for commercial banking business. The optimization model algorithms and rules engine technology could meet the limit control requirements for customers, products of different dimensions, and limit shares flexibility.This article is researching to build a CLM system that runs through the entire workflow and provides real-time monitoring and sharing adjustments in transactions, including those three aspects:1. CLM system is running through the entire workflow: loan origination, approval, disbursement, credit review and assets recovery, and covers various credit products.2. CLM has comprehensive functions: limit generation, limit adjustment,limit occupancy, limit recovery, limit block and limit unblock.3. The latitude of CLM visits the concepts of client and product limitation, and focus on the design and implementation of the limit shares among different products.The software engineering method is used as the main line here, and the implementation process is introduced by the aspects of requirements analysis, framework design, algorithm model and data model design, environment deployment, programming, testing and operation analysis. |
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