The Research Base On Optimizes CMIS System And Its Grinds In WZ CCB Company Credit Risk Control Application

This article takes the present application situation of the CMIS system in the WZ construction bank as a background, takes the information method to collect the customer management information as the measures, takes to promote the WZ construction bank's risk control ability as the goal, unifies the bank management and the CMIS system's theory and experience, embarks from the WZ construction bank's actual situation, in the foundation of full investigation and study, in view of the common risks of the basic unit commercial bank in the management process,has analyzed the flaw of the CMIS system which exists in the basic unit construction bank risk control aspect in the present, has developed the CMIS system's attachment function module, and used the software tool: Louts Notes Domino to carry on the design, on the basis of the system's optimization, focus on the re-carding process of the WZ construction bank's credit business operations, from all aspects of the loan's survey, review, approval, offer these loans until the recovery, proposed the specific operational procedures and key control, changed the former management pattern of which the CMIS system only occurred to carry on the information to the credit operation, made the credit management administrative personnel to set up to the customer entire flow information management consciousness, has been provided prompt, diverse information feedback channel for the management personnel to each kind of risk which appears in the management credit property process, has built a solid foundation for promoted the WZ construction bank overall risk control to the male credit operation.