The Devisation And Realization Of Qilu Bank Credit Risk Management System

In recent years, the bank market globalization tendency became obivious, international bank credit risk management’s mind and method swarmed into China, which promote our commical banks’s reformation and development. As bank’s management core content, credit risk management’s means and contents made a great change, modern information techniques took an important part in the credit risk management., which was diffent from the tradition credit risk management using experience and qualitative analysis, it became to attach importance to use quantitative analysis. Under this situation, our domestic commical bank urgently need to research and use the inner credit risk rate, steading the basicof the credit risk management, developing the risk management ability of competing with international advanced banks.Traditional commical bank’s risk management took the labour as the main method, relying on labour to settle client’s data, relying on labour’s qualitative analysis on the risk degree of business, and relying on labour to manage loan contracts. Because of the limitation of energy of the workers, traditional labour risk management system made inefficient, and couldn’t update and share information immediately, duing to low risk management level, and lead to great loss according to low-level mistakes. The paper use the advanced devising mind of MIS management system, relying on the modern computer technique, devise to realize credit risk management system, which can type-in client’s new information immediately, update the clients’information in the same time,and credit rating system safe and accurate, inportant files safety management, system data copy regularly, realize the risk’s systemstic management.This system use C/S model, realize in the office internet environment, relying on the STRUTS system, dividing the system into showing level, logic level and data level, and avoiding to compile data repeatly, developing the efficiency of system. On the realizing the showing level, mainly using JSP, AJAX to devise simple dynamic page; the speciality of logic level is that use logic data of packaging in ACTION, independenting of page showing-data; the data logic system make use of the ORACLE database to realize the database system management. By mean of this method, it can make the system structure clearly, and develop the efficiency. The developing complishment of this system will make significant impact on bank’s risk management, in favour of using strict system structure to avoiding low mistakes, controling in many parts, monitoring risks, developing bank’s decision-making capacity and efficiency of working.