Design And Implementation Of Integrated Credit Management System For WeiFang Agricultural Bank

With banks stagnant debts, bad debts escalation increased, the bankcredit risk administration already becomes a more and more important problem. It creates the worth by effective risks management,the bank comes to gain bringing back a report with risk appearance matching by taking a risk rationally. but maximal risk of bank is short of the consciousness of risk consciousness and responsibility, at present, the banks around the world propose and cultivate the credit management culture,set up the atmosphere the ri sk exi sts anywhere, and everybody has the duty of managing riskAnd set i t as an important part of bank cul tural advancement.There are already many software enterprise make concentrate efforts on development of the bank credit management system,by investgating the credi t assessment for the company,the track management to the mortgage for loans provided by the ccompany,using comprehensive examining and approving flow,strictly implementation of loan-tracking mechanism and soon,trying to reduce credit risks of banks.However,control the credit assets risks only by the internal flow from the bank has limitations,and we are developing a credit risks system considering the combination of the internal control and the external supervision,combining the information of enterprises provided by government and the information provided by the banks research,so we can set up standardized examination before loan and investgat ion after loan.Start from the customer information management, according to the actual business of banking in order, the main business processes of credit:the customer rating, loan approval, loan Hair, post-loan management, asset protection and other comprehensive design and implementation process. First, the paper credit management system needs of several major functional blocks to do the analysis, sorting, and function of business is more complex to do a step closer to graphically illustrate; from the technical architecture, business design, business implementation, system test several aspects, according to the requirements of the software engineering process, are discussed one by one. On the basis of the needs analysis, we conducted a credit management system technical architecture design. The main consideration of technical infrastructure system scalability, maintainability and performance issues, so a hierarchical model of B/S architecture, and design features layers of analysis. In business design, discusses the function of various parts of the system components. and finally gives a flow chart of the core business.In this paper, bank credit management theory, this system with reference to the national medium-sized commercial bank credit risk management, business requirements, following the new Basel Capital Accord, according to new accounting method, combined with the Agricultural Bank of China, Weifang City, the actual needs of credit management, in advanced Microsoft.NET platform for development. ASP.NET front-end web interface design, back-end database using SQL SERVER 2000 was carried out in-depth technical research and analysis through the system, platform architecture, database design, overall system design, functional modular detailed design work, develop a comprehensive Agricultural Bank of China credit management support Weifang City, business information systems.This paper studies the design of the system in the database on the user's permissions can be flexible according to the distribution of their duties to ensure the safety of system operation and reliability. The ABC system in the application of Weifang City, the practice shows that the research can not only significant savings in manpower, material resources and time, but also to avoid possible errors caused by man-made statistics. Simplify workflow and improve efficiency. The results obtained for the other banks of similar management systems provide a useful reference or reference.