Research And Analysis On Credit System Of Small Farmers In Huaxi Rural Commercial Bank Of Guizhou Province

Credit operation is one of main businesses of commercial bank. Micro credit business based on rural credit project is carried out by Huaxi rural commercial bank.The old micro credit business system is universal but there are many shortcomings for farmers. So research and analysis of micro credit business management system for Huaxi rural commercial bank is necessary.There were credit process,credit loans process and post-lending Management process in the past.There will be ten new processes by business process reengineering such as parameter setting process of credit management business,credit business process reengineering,credit data backup,credit authorization business process,farmers’credit file information query process,report generation business process,customer manager to handle household data flow,customer manager to keep track of farmer information flow,credit office loans business process,rural credit repayment interest flow.There are six function,for example,system information management and the borrower information management based on analysis and description of use case.The corresponding overall function of the package diagram and sub function package diagram are given. They are conceptual graphs micro credit business management system, system information management thumbnail,the borrower information management thumbnail,thumbnail of Investigation management before loan and so on.The loan management system only for micro credit business.The research can’t deal with functions of customer savings and endowment insurance.These functions will be carried out in the future.Research and analysis of the Guizhou Huaxi rural commercial bank micro credit loan management system for farmers are summarized in the end,and the work of the next step is prospected.