Design And Implementation Of Credit Management Information System For Kaifeng Commercial Banks

Commercial banks is financial enterprises to operate deposits, loans and other business profitability Behavior constraint on lending and management practices are essential elements of banking risk management and control. Credit business is good or bad will have a direct impact on the status of the Bank's business performance, will directly determine the quality of credit assets of Bank asset structure.Credit management is an important part of the credit business of commercial banks, is for a bank loan approvals of maintenance, use, recovery, centralized and unified management platform. Systems discussed in this article, a case of Kaifeng city commercial bank credit management policy for the business of prototype, and applicable to all commercial banks in terms of credit management products. It provides a uniform, standardized credit for credit management and operation guidelines, and can be adjusted according to the actual need to be flexible to configure business processes, in order to meet the Bank played a crucial role in the development of policies.During the system design process, it took into account the demands of the commercial banks, using components of thought. In terms of technology, the system uses b/s structure, in the use of object-oriented technology, Struts MVC pattern to layered system on the basis of. First system to use Hibernate technology encapsulates the persistence operations, the development focus to the business logic processing; second system using Spring, XML Template technology presentation layer, business layer further subdivision. System uses the DI model and the Drools rules engine technology, reducing coupling between various levels, and implements the business rules can be customized; using component technology and workflow engine improves scalability of the system, make business processes more flexible control. In addition, system uses EJB and Web Service technology to provide a service interface, make the system an open service platform. In terms of business functionality, approval and use of the system was up on the credit management control and monitor the usage of credit lines and early warning, provides a line of query and report statistics services and provides unified permissions maintenance, and business dictionary maintenance services.This system was successful on-line in September 2010 in Kaifeng city commercial bank, whose running, system stability is good so far, and has become the Bank of communications credit management system in one of the main support system. In addition, system has been successfully applied to the rural areas of Gansu province rural credit unions, banks, credit cooperatives, Sichuan province. The credit rating evaluation model analysis of credit management to improve and develop the direction is also the focus of the system. The next step in the upgrade process in the future, for this feature of component design, and provides analysis services as a stand-alone feature.