Bank Credit Risk Management System Based On J2ee And Workflow Technology Design And Realization

The credit risk of the banking sector can not be avoided in the course of business reality, thus strengthen awareness of credit risk, recognize and to guard against credit risk at the best is an urgent need to be considered by various financial institutions. Using advanced computer and network technology to build a comprehensive and high-level information-based credit risk management system of credit operations and credit risk implementation of a unified, comprehensive, scientific management has great value in achieving rapid development of credit products, reducing credit risk, scientificly managing the credit process, as well as effectively developping customer information. Thus it becomes the focus of various banks'research.On the basis of in-depth analysis of credit risk management of bank credit demand as well as business processes based on the idea of the use of software engineering, the establishment of a system model, usage of case and business process models, the system completes its main modules of the whole system design, development and testing, which achieves the general requirements of credit management system, credit risk management solutions. The overall structure of a J2EE application server platform is based on the Struts framework. The usage of Struts provided Java Web three-tier organizational structure of MVC, and enhances the system scalability. The business sector of bank credit has complex and large-span workload, the systems introduced the mechanism of workflow among which the workflow engine combined with the Struts framework, thus seperated the process control logic from business logic and formed an independent layer, a business Logic layer, process logic layer and data layer. The multi-mode architecture allows the system has strong scalability, versatility, compatibility and interoperability, and focuses on specific roles and functions on every levels. With the workflow technology and credit management business closely integrated, the credit management process in the definition of flexible, rapid application development is better solved. At the same time throughout the development process, the systerm uses VSS for configuration management and CVS for version control, Rational Clear Quest for test management. The system puts bank credit risk control in the core which is able to achieve the bank credit operations management, statistical reporting, decision support, risk prevention and other business functions well, moreover it provides all commercial banks, credit management, credit risk management an effective tool. The actual production applications of the systerm realized the credit risk management electronicly and scientificly, which greatly improved work efficiency and bring a good economic and social benefits.