The Design And Implementation Of The Bank Information Management System

With banks stagnant debts , bad debts escalation increased, the bank credit risk administration already becomes a more and more important problem. It creates the worth by effective risks management, the bank comes to gain bringing back a report with risk appearance matching by taking a risk rationally, but maximal risk of bank is short of the consciousness of risk consciousness and responsibility, at present, the banks around the world propose and cultivate the credit management culture, set up the atmosphere "the risk exists anywhere, and everybody has the duty of managing risk". And set it as an important part of bank cultural advancement.There are already many software enterprise make concentrate efforts on development of the bank credit management system, by investgating the credit assessment for the company, the track management to the mortgage for loans provided by the ccompany, using comprehensive examining and approving flow, strictly implementation of loan-tracking mechanism and so on, trying to reduce credit risks of banks. However, control the credit assets risks only by the internal flow from the bank has limitations, and we are developing a credit risks system considering the combination of the internal control and the external supervision, combining the information of enterprises provided by government and the information provided by the banks research, so we can set up standardized examination before loan and investgation after loan.This system has the reference to the national media and large-sized commercial banks credit risk management needs, following the New Basel Capital Accord, according to the new accounting law, it will develop to be a national leading credit risk management system(CRMS).The main modules of the system: customer information management, customer rating, loan approval, disburaement loans, Post-lending Management.The system is builded in B/S mode using standard J2EE platform, with Software Component using SOA technique, making the framework of the whole system relatively simplified, so the application developers can focus on the business logic development and not have to write code for the system service access.Starting from the customer information management, according to the actual business orders of the bank , this article makes a comprehensive Design and Implementation for the five to main business processes of the credit : Customers rating, loan approval, loan distribution, Post-lending Management, and asset preservation.First of all, this article makes an analysis and sorting for the six main functions of the modules of the credit management system, and makes further description for more complex business functions in chart form.From the technical architecture, business design, business implementation, and system testing these aspects, in accordance with the requirements of the software engineering process, futher descriptions are made one by one. On the basis of the needs analysis, we conducted a credit management system technical architecture design. The main consideration of this technical framework are system scalability, maintainability and performance issues, so hierarchical models of J2EE architecture is used and the functionality of all levels is designed and analyzed. In the Design for the business, the function system components of various parts are discussed, and the flow chart for the core business is gave finally.