Research And Analysis On Credit System Of Nanchang Rural Commercial Bank

"Economic base determines the superstructure", the economy in a nation with the role of mainstay. Economic and financial is inseparable, has two themes:in today’s financial marketization and globalization. In developing the financial sector, Banks play an important role in it. Bank is in the financial sector adjustment lever, namely can have regulatory role, at the same time also play a regulatory role. In the routine operations of Banks, credit management this line of business is a top priority. Due to various human factors and the role of human factors, the credit risk is inevitable. China’s current economy is growing rapidly, the Banks have raised the loan, so to strengthen the management of credit is a priority in the Banks. On this basis, this paper puts forward the nanchang agribusiness research and analysis of bank credit system.This paper studies the Agricultural Research and Analysis Nanchang Commercial Bank credit management system, according to research Nanchang Rural Commercial Bank credit management departments and relevant departments. Our Nanchang Rural Commercial Bank credit system is divided into nine modules, namely public administration module, customer information management module, credit management module, collateral management module, contract management module, service module bills, credit management module, post-loan management module The system management module. This paper will use the software design structure-oriented design method, this paper analyzes the Bank of Agriculture and Commerce in Nanchang, organizational structure, business and public administration, customer information management services, credit operations, collateral operations, contract management services, bill business, credit management services, post-lending business for process analysis, business process reengineering nine. Then functional module design and the nine modules for data flow analysis based on business. Then through the IPO diagram analysis module data and entity relationship diagram of the system entities points. Finally, the data stored in the information table will be described, the data defined.Nanchang agri-businesses bank credit system can not only improve the credit management in operating the business of work efficiency, also can improve the credit management departments closely linked, enhance the level of business, departments collaborate work ability. The exploration of this system in the credit management will has important value to the banking information management in our country.