The Design And Implementation Of A Credit Management System

As the level of the economy getting higher, financial sector development and growth, for more income, banks offer more credit for ordinary citizens. Development of information technology had applied to the banking industry's credit management system, it makes the credit management gradually electronic and intelligence, it mass storage capacity and high-speed data processing ability to bear the bank's high workload. Effect of the system achieve a serious impact on the efficiency of the bank, revenue risk, reputation, etc, Thereby significantly affecting the interests of banks.Current credit management system in the informationization process exposed many shortcomings, greatly increased the incidence of speculative credit. It mainly caused by the data is not updated in time, the contents of data is hard to concentrate, higher lending risk. In this thesis we disigned and realized a system based on distributed multi-database, it can solve self-government and information sharing issues, under the premise of local data and rights reservations, it also can share to the members of the system in real time, thereby light the way of solving these problems that exist in recent credit management system. The main research work of this thesis have three respects:(1) We designed a model of credit management system, which is the model of current credit management system. It solves the real-time concurrent processing and data updates problem of information exchange between different banks. To some extent achieved a unified credit system.(2)This designation doesn't need to remove all the credic management system in use now and creat a new one instead of them. But using multi-database technology build a sets of systems based on cridit management system of banks they already exist and in use, unify these sub-databases' information and share them if needed and reasonable(3)Aim at credit manage as it' s a special inductry, we avoid and solve some problem that hard to carry out in distributed and multi-database technology, makes these domain combined well and efficient, to a certain extent it has the potential of invest in market.