The Design And Implementation Of Credit Analysis Management System For Rural Credit Cooperative

With the financial globalization and the intensifying the volatility of financial market, the credit management of commercial banks has been the focus of attention of the international and domestic financial circles. Analysis of bank credit has greatly changed the means and content, the modern information technology plays a more and more important role in bank credit analysis. Different from traditional credit system is mainly dependent on the qualitative analysis, the system is becoming more emphasis on quantitative analysis, the use of a large number of statistical model to identify, measure and control the risk, the management of more and more the characteristics of objectivity and scientific.Banking is in a competitive era of customer-centric, market-oriented, commercial banks shall apply the advanced computer network technique to track, forecast the development trend of the bank customers, potential value maximize customer information, and use this information to improve banking services, enhance competition ability, prevent and resolve credit risk.This paper first describes the status and development of relevant content of commercial bank credit management system, the role and influence of the credit management system of commercial banks, commercial bank credit management system target, and then makes a detailed analysis and design of the credit management system. In the part of system implementation, the detailed method was given to realize some functions of the system are given, several test cases and test the system. System operation is convenient, fast, with data processing, credit analysis, early warning analysis, project evaluation, actuarial tool function, can be analyzed risk analysis and customer.Credit business analysis management system will change the previous single account management for information management to the customer as the center, improve information sharing degree, improve loan quality, reduce credit risk, intensive management, scientific management of credit business, it can enhance the security of credit assets, improve the management level of credit, standardize business processes, strengthen credit prediction and decision-making more scientific.