Design And Implementation Of Rich Yunnan Bank Credit Management System

With the further development of the information technology, all the enterprises and institutions of the whole country are increasing investment in the construction of information technology. At the same time, building a robust information platform, providing information technology services has become a new strategic direction and a new way of management in the financial industry. FuDian Bank, as a commercial bank, is typical of the debt management company. Debt management helps solve lack of funds and lead to the development of enterprises; helps enterprises to strengthen their management, improve capital efficiency and optimize resource allocation; helps enhance risk awareness, strengthen internal management and standardize enterprises’ behavior. Credit is an important part of each bank. Establishing a centralized credit risk management information system is the only means to achieve business data sharing and information dissemination and also enhances the business data reverse and information exchange between the various branches of the bank.This article will focus on the design and implementation of the J2EE-based credit risk management system and major papers are carried out from the following aspects:1) Establishment of a centralized customer information database. The customer is the most critical factor of the development of bank and without customers, the bank will not exist any longer. The establishment of a centralized customer information database will facilitate manager adding, updating and looking up customer information and provide a good data base for other business systems.2) Building a reliable credit system. Today credit is one of financial industry’s benchmark. Once there’s something wrong with credit, it means that banks will face some economic loss. Bank credit is a key marketing strategy, so before making any loans, the customer’s credit system needs to conduct an assessment. Loans are allowed to take out only after a suitable assessment result.3) Organization of the business processes. Achieving automatic reverse the approval process and network approval will not only save a lot of manpower and material resources, but also promote work efficiency and further expend the bank’s earnings.4) Achievement of the statistical queries of the business data. Large amounts of data will be collected by customer platform, reputation platform, lending platform, business data flow and other subsystems. A common, fast query module is needed to find the target data to provide assistance for leadership decision-making and planning future work in the vastness data.With the increase in credit business, developing a well-functioning credit risk management information system is an urgent need for a commercial bank management reform and also important for the development of credit business. This approach not only enhanced data stability, security and confidentiality, but also changed the traditional way of working, improving work efficiency.