Design And Implementation Of A Commercial Bank Credit Limit Management System

With the rapid development of China’s economy, the continuingenhancement of residents purchasing power and change in consumersattitudes, credit card as a convenient way to trade in the country has beengreatly developed.With the scale of the credit card market continuing toexpand product and service innovation become the main means of competitionamong the major card issuers. In the process of development in the credit card,the cardholders put forward new demand on the credit card amount of use andthe management.Therefore the domestic commercial banks decided todevelop a set of credit limit management systems to adapt to the marketdevelopment, and to enhance customer service levels.The author,who had the honor to involve in the system design anddevelopment work,mades the credit limit management system research topicof this article. This article is mainly about the discussion on the currentcommercial bank credit limit management system architecture, functionaldesign and implementation.The construction of the credit limit management system in a commercialbank and the bank’s credit card system basis belong to the bank’s coresystems.They are part of a comprehensive business processing systems,develop from and run in the technology platform constituted with IBM’s z/OS,CICS online transaction processing system, a large database of the DB2system.Meanwhile the credit limit management system achieves the businessdata processing functions, and ensures the integrity of the overall businesswith the help of some other subsystem functions in the integrated businessprocessing system.Such as, parameter management system provides creditlimit management system with parameters of management functions; a variety of basic information on the customers needed by credit limit managementsystem is provided by the customer information system; and the report printingsystem provides the credit card limit management system provides a statisticalreport format printing capabilities.The core of a commercial bank credit card limit system, from the structureof business functions can be subdivided into a credit card online subsystemand credit card batch subsystem.Credit card online subsystem is directly facing the banking business andthe cardholder’s subsystem, It provides a simple, intuitive, friendly tradinginterface, real-time processing for the customers in each business transaction,and record of customer transaction information for the hostfor databasequeries and background analysis. The online subsystem has the followingfeatures:1) To adjust credit card temporary sales: temporarily adjust the credit limit,check the temporary amount registation;2) To provide the credit card and the quasi credit card with the function ofthe permanent adjustment of credit limit;3) To provide credit card and quasi credit card the functions of taking theinitiative to adjust the amount of registation maintenance.Batch subsystem of the credit card, manages large quantities of parallelprocessing online subsystem registration of customer data, and batch dataautomatically registered after the banking hours,usually in the midnight. Batchsubsystem has the following features:1) To automatically adjust the expired temporary amount to apply theamount of maturity to resume processing, and to clean up the expireddata.2) To automatically collect the customer’s consumption transactions, tocomplete consumption of accumulated credit card accounts in line withthe amount of parameter conditions.3) To take the initiative to adjust the amount of the conditions of parameters and to adjust the amount of the credit card account creditlimit.4) To automatically complete the statistical reports of the variousadjustment for processing task.5) To automatically manage and clean up the expiration processing.A commercial bank credit limit management system enriches the bank’scredit card business, whose architecture design and business functions are atthe domestic leading level, and can reach the international advanced level ofsimilar products.