Henan Province Rural Credit Cooperative Credit Loan Approval Subsystem Design And Realization

Based on the requirement of managing loans in current commercial banks and the experiences of implementation of information system in Chinese banks, we propose a rural credit cooperatives management system, which is a new loans risk management system containing many services related to loans. It helps to manage the process of services, improve the level of services, enhance the ability of controlling risks and increase the quality of credits. The system can supervise the whole process of loans regarding to the current credit rules and regulations.The basic function of the system is managing the feasibility of customers'application of loans and the key function is controlling the approval of loans. We design and implement the credit management system and our experiment verifies the efficiency of it.The system checks an operator's authority by his identity. Then credit person can give their suggestions and submit their results of examination. At last, a loan will be ended by a who has the power to make decision. This paper introduces the setting of approval positions, credit people and approval process and the implementation of loans approval. Meanwhile, we analyze the debug environment, the process of debug and the method of test. This paper also presents some key technologies, such as JSP, Struts framework, DWR framework and SQL(structured query language).