Implementation Of Lending Approval Management Based On Workflow Technology

The workflow which is a process modeling and the process management core technology, can support enterprise's organizational structure, the fast change of operation flow, and has satisfied the enterprises'organizational structure reorganization and the advanced manufacture strategy implementation objective demand. With rapid development of global economic integration, the financial market in our country has already been comprehensive open to the world, and various domestic commercial banks are facing extremely keen competition. The goal of the banking industry in the present stage is to construct structure which takes the customer as the central services structure and the structure which takes the risk control and the profitability analysis as the core management system.Combining the workflow technology and the business of credit can successfully solve the problems such as flexible definition, affair management and access control in the process of credit . It can control and coordinate the complex credit operation approval execution effectively, change the traditional paper document examination process, and improve efficiency of service approval greatly.From the point of project's demand, this article utilized a series of technologies such as java technology in the Commercial bank credit management system's foundation and workflow technology correlation technique, to design and realize the credit operation approval flow module and the computerization to approval the loan flow. This module's characteristics are preserving the service approval flow conveniently and satisfying the development of new service approval demand. It also can may, expand the service variety nimbly and quickly, optimize the management flow, and enhance the bank credit business management strain capacity comprehensively. At the same time, it achieved the definition of a graphical flow. According to the bank actual situation, the servicers may redefine each credit operation flow and complete the definition work of the automatically innovation service without increasing the functional module in the situation.The implementation of credit operation approval system makes it possible to control and monitor the overall process of credit operation approval timely and normatively. By using this system, the decision making can be greatly improved, and the risk of credit can be avoided.