The Design And Implementation Of Credit Management System For Weifang Commercial Banks

The credit business is the core business of the bank, betimes and quality of the data and information are stringent required. It is difficult and error-prone if the managements are processed all by human. It is urgent to realize electronic management since using state-of-the-art management tools and instruments as well as a unified information technology, the credit management system of Weifang Commercial Bank is developed to manage the loans scientifically and standardized. The system aims to monitor the implementation of credit asset quality effectively, and reduce the risk of credit assets.This article describes the design and implementation process of Weifang commercial bank credit management system. Firstly the article research the background of the development of the system, giving the significance of system development, analyzing the requirement of the system, visually describing the system functional requirement with UML use-case diagrams. On the basis of the analyzing system requirements, selecting technical architecture of system, analyzing system deployment structure as well as designing the function of the system with the methods of class diagrams, sequence diagrams, etc. The article designs system database, the relationship among the analysis tables, and designs of the database table structure, coding system, realizing the functional interface, and giving realization code of some functions. Finally, system functional modules are integrated and tested, and then it gives test cases of the system. Available credit management system meets users’needs are realized.Customer information management, credit operations management, loan quality and risk management functions are realized in this system with the technologies of B/S structure, multi-tier architecture of J2EE, and MS SQL Server database system. The acquisition and report of enterprise credit and personal credit data; the collection and management of basic information of customers, customers’business activities, customers’transaction information and customer’s financial information data; the loan business applications, business approval, contract management and collateral management; the quality management and risk control of loan business which includes loans, notes, guarantees are all realized in this system. The system provides an information service platform for the Weifang commercial bank credit management business.With the integration of customer’s information loan business and deposit records, the design and implementation of Weifang commercial bank credit management system not only solves the technical problems, but also realizes automatic summary, analysis and decision-making of these data as well as improves the efficiency of Weifang Commercial Bank credit management, controlling and managing the risk of the credit management with the help of computer systems.