Design And Implementation Of Bank Special Assets Resolution Management System

In recent years with the deepened joint-stock reform of state-owned commercial banks,bank non-performing loan ratio has dropped to the lowest point after historical burden digestion and spin-off of suspicious loans.However,we have not fundamentally eliminated the formation mechanism of non-performing assets.In this case the preservation of the bank's assets can only be strengthened,and not weakened. Asset protection management is responsible for the management of the special assets like non-performing bank assets,debt asset and debt-equity swaps.It has an important effect on collection,management and disposal.The operational objectives of asset protection sector are to make full use of professional skill to make collection quickly and effectively,disposal of non-performing assets,and it will make a contribution to reduce the amount of asset losses and loss rate,maximize the ultimate recovery of non-performing assets and improve the quality of bank assets.On the basis of current quality of bank credit assets and asset preservation situation,this paper bases on practical analysis of business and makes an intensive study of domestic asset protection sector workflow.Moreover this paper has rationalized and standardized the preservation of business solve assets.What's more I resolve the issue of risk control in preservation and the problems of information collection,communication data transmission and the efficiency of statistical analysis. At last the system resolves the issue of value and performance appraisal.From the perspective of technology,preservation of business assets management system framework use the latest technology of J2EE(JSF+Spring+Hibernate),and through the component technology it builds a scalable application solutions with a distinguishing feature of easy to implement,loosely coupled and highly scalable,and data storage on the use of popular ORACLE database technology and the data presentation uses COGNOS+RIDE Technology.From the view of theory application, this system based on Best Practices of multi-directional monitor the comprehensive risks,and emphasizes flexibility and standardization to help achieve service management.This paper bases on the idea of software engineering.From the aspects of needs analysis,framework design,database design,development environment configuration and programming testing,it detailed the implementation.