Research And Analysis On Personal Credit Management System Of Wenshan Industrial And Commercial Bank Of China

Commercial Bank of China Wenshan Branch (referred to Wenshan ICBC) personal credit management system based on an open platform system, the application of Web browsing and a centralized database application model centralized control and management of the Bank’s consumer credit business of production business systems, Wenshan ICBC Personal Credit Unified Platform asset operations and management. Since the operation, the system to standardize business operations and strengthen centralized control and management, enhance the level of credit analysis and decision, to prevent credit risks has played an important role.This article from the actual needs of Wenshan ICBC Personal credit management business, following the method of software engineering, data analysis and presentation system design of the system and other processes. The main contents include Wenshan ICBC Personal Credit Management Overview, on the basis of Wenshan ICBC survey on analyzes of the system, the main contents include business analysis, functional analysis, data analysis, business analysis gives the Wenshan ICBC Personal Credit Management System main Business original business processes, based on existing business processes carried out process optimization, business analysis includes Content that customer management processes, risk assessment process, loan application processes, business management processes, post-loan management processes, asset preservation processes and customer management process optimization, risk assessment process optimization, loan application process optimization, business management process optimization, post-loan management process optimization, asset preservation process optimization; functional analysis gives Wenshan ICBC personal credit management system main function top-tier data flow diagram, a level data flow diagrams and floor data flow diagram, and data entry are described. System functional structure includes Content that overall functional structure diagram, system architecture design, sub-function structure H diagram; data analysis including the have a physical relationship analysis ICBC Personal Credit Management System includes a total customer management, risk assessment, loan applications, business management post-loan management, asset protection and other six functional modules. Including loan processing under operational management, five points clear of overdue management module. By designing these six functional modules can Wenshan ICBC personal credit management business operations, thereby ensuring that the bank holds in Wenshan customer’s credit networks, scientific, standardized, digital, etc., to achieve the desired results and objectives.