Design And Implementation Of Credit Management Information System For Minsheng Bank

The commercial bank is the profitability of financial institutions, the type of business capital storage, borrowing and other intermediate business. An important part of the Minsheng Bank Risk Control and management of business is on loan for the effective management and constraints. The development of credit business will affect the performance of commercial banks, the quality of credit assets will decide the bank assets.Small micro credit management is a management of small and micro businesses customer loans, with loan business approval, restoration and maintenance function management platform, is the key operation platform credit business of Minsheng bank. The bank credit business Minsheng Bank as the prototype of the credit management system, suitable for use in a Minsheng Bank head office and the branch. This system can not only standardize the management and guidance of small and micro businesses credit business, unified service standards, but also lay a solid foundation for future bank policy adjustment, the allocation of resources and business process change.In the design part of the system, the author first analyzes the similarities and the small and micro businesses customer demand for personalized small business lending, decided to design the system using the component idea. Technically, the system structure of BVS structure, and uses the Struts technology, object-oriented technology and MVC technology to realize the system stratification. Management system through the Hibernate technology to finish the persistence layer package, which will be more focus on the business logic layer; secondly, the system also uses XMLTempalate and Spring technology to further decompose the business layer and presentation layer. To make full use of Drools rules engine technology and DI model to enhance the independent system of different levels, so as to realize the personalized business operation; the workflow engine and component technology application system, enhance the scalability of software, can be flexible business process management. The service interface of the system is mainly used EJB and Web Service technology, constructs the service management platform of a development. System functions, system has run small customer credit approval and its management function, with supervision and early warning line of credit conditions, with query credit and statistics function, also has a business maintenance and maintenance of the authorization function.