Designation Of Hunan Rural Credit Cooperatives Non-performing Assets Management System

In recent years, with our joint stock system reform deeply, through digestinghistorical burden, peel doubtful loans the bank bad loans has been down to a low level.But bad loans compares to international advanced joint-stock commercial bank is stillin a higher than the level. Therefore, we can only strengthen the assets managementwork. Bad assets management department is bad bank assets, owe, assets anddebt-to-equity asset, and other special collection, management and disposal ofbusiness management department. Bad assets management department of the businessgoal is to make full use of the professional means quickly and effectively collection,disposal of bad assets, and work to reduce assets, causing loss rate and, to maximizethe bad assets of the ultimate recovery, make bad assets management business toimprove the quality of the assets Banks to make the contribution.Based on the above, the Hunan rural credit cooperatives need to develop andestablish a non-performing asset management system, which based on standardizedoperational processes, set the basic business information management, statisticalreports management, business analysis, risk alert, and timeliness warning,performance appraisal, high efficiency, high robustness, high availability of electronic,automated, in order to provide an effective means and operating platform for themanagement of non-performing assets operate.The dissertation based on the practice and in-depth study, analysand the actualprocess of starting the work of the non-performing asset management department ofrural credit cooperatives, combined with information system features of the ruralcredit cooperatives, in view of business process-based software project uniquesolution of the non-performing assets management system. At the same time, applyingcurrent software engineering technologies mature J2EE architecture, usinghierarchical ideas from requirements analysis, feasibility design, database design,hardware and software configuration, system testing, system implementation process.Solving the management problems of non-performing assets and improving theefficiency of the staff of the rural credit cooperatives in the implementation of thesystem has been greatly improved.