The Design And Implementation Of Supervision Rating Management System For Rural Credit Union

To implement actively the instructive spirit of Rural Credit Cooperatives Supervision And Rating Guidance released by CBRC, realize the continuous and classified supervision as well as risk warning for rural credit union in Baishan City, enhance the supervision efficiency to rural small and medium size financial institutions, boost the warning supervision to rural small and medium size financial institutions, improve the operational mechanism of rural small and medium size institutions, transform the supervision model from aftercare model into precaution model in order to prevent overall risk of rural small and medium size financial institutions, this report put forward the supervision rating for rural small and medium size financial institutions as well as the design and realization process of warning information system.This report associates with content and spirit of Rural Credit Cooperatives Supervision and Rating Guidance released by CBRC, takes advantage of software engineering technology to design and realize risk assessment and warning information system for rural small and medium size financial institution. First of all, by study on rural small and medium financial institutions as well as their supervision conditions in the council area, from the perspective of user operation, project flow and requisite functions it put forward the general demand of the risk assessment and warning system for rural small and medium size financial institutions, and made further detailed analysis. And then, within the basic framework of system demand, it further put forward the design for the whole system including the two parts of brief design as well as detailed design. This system adopted development mode of C/S, establishes system logon, data transmission, data review, supervision rating, signaling warning, releasing application report, system management and other function modules, and carried out general design and development for the data base. After that, under the guidance of system brief design and detailed design it started development and realization work, through strenuous efforts, finally it achieved completion of risk assessment and warning information system for rural small and medium size financial institutions and put it to preliminary application, verification and further improvement.The completion of supervision rating information system design for the small and medium size financial institutions realized information management for supervision rating and warning function during supervision management, and to some extent relieved the conflict between strenuous supervision workload and limited professional supervision resource, which entailed it important practical significance. The establishment and application of risk assessment and warning information system for small and medium size financial institution can benefit the supervision organization to comprehensively grasp the risk conditions of rural credit cooperatives and help supervision organization timely identify and judge the risk conditions and severity of rural credit cooperatives, and appropriately deploy supervision resources, to put the resources to the most needed and important parts in order to increase supervision efficiency, it can make the supervision organization implement supervision measures correspondingly, adopt classified supervision and enhance supervision efficiency, it can be also good for information, dynamic and continuous supervision for small and medium size financial institutions, in order to realize the supervision transformation from aftercare model to precaution model.During the process of development of supervision rating information system for Rural credit union, the potential difficulties can be the correct sampling of the grade formula for supervision rating as well as the understanding deviation and the rework caused by this due to incomprehensive communication. Through participation of practical development for this system, it deepened my understanding to software engineering development, improvement my capability to the practical application of software engineering knowledge and enhanced my knowledge to the necessity of information development for all the industries in our country.