The Design And Implementation Of Credit Customer Credit Evaluation System For Rural Credit Cooperatives Laiwu City

The rural credit cooperatives is the farmer cooperative economy organization is an important part of the Chinese name is established with the approval of the bank from the members, the implementation of the contribution of the members of democratic management, mainly for the members to provide financial services of rural cooperative financial institutions. It supports rural economic development in the process of have a role to play. From the point of the development of rural credit cooperatives, rural credit cooperatives market position is"agriculture, countryside and farmers "-agriculture, rural areas and farmers. Agriculture is the most basic of the national industry, although get the national policy for the protection, but rural credit cooperatives in the capital, size, cost, technology, talent and all aspects of information is constrained, and other financial institutions, there are certain gap. Rural credit cooperatives in rural primary service of small and medium-sized enterprises. The small scale of the enterprise, the technical content is low, the ability to resist the risk low, every year’s not few collapse, leading to the rural credit cooperatives lies a tremendous credit risk, the specific performance there are lots of bad loans. In order to solve these problems and promote the development of rural loan business, rural credit cooperatives need to increase the internal control system construction, and prevent and control risk, how to strengthen the credit risk management is the necessary to solve the problem. In this paper the laiwu city credit cooperatives customer credit evaluation of the specific research unit, rural credit cooperatives laiwu city credit business according to the basic situation of the design and implement a set of credit customer credit evaluation system, to help rural credit cooperative work personnel credit customer credit evaluation work.This paper describes the laiwu city credit cooperatives customer credit evaluation system of requirement analysis, system design and implementation process. The revolving credit customer credit evaluation system based on software architecture of the J2EE multilayer architecture design, the system adopts B/S structure, to the entire system USES object-oriented analysis and design method, first of rural credit cooperatives customer credit evaluation laiwu city credit demand research work, and each one involving the workflow for demand, then to get content analysis, confirmed the system to realize the function and the corresponding implementation. In system design stage use SSH framework, the whole system to realize the MVC (model, the view, and controller), the structure of system of each function of detailed design, and the database design involved. According to the demand analysis and system design of content, using the B/S structure of the system is realized technology, complete the whole system development work.The system finally realizes customer information management function and credit risk management function. One customer information management functions include: registration information, private company inquiry, information, banking, and financial information. The big function blocks to realize customers, enterprise related systems, Banks and financial data such as management. Credit risk management functions include:credit evaluation. The big function blocks in accordance with the relevant provisions of the realization process credit customer credit assessment work.The system of the deployment and satisfy the customer credit running credit evaluation work demand, to the city (area, county) credit customer credit evaluation of rural credit cooperatives data of the unified management. The system increase farmer credit rating more scientific and transparent, customer credit evaluation process in the credit, put an end to all kinds of illegal loans, and customs loans, to borrow MouSi behavior happened. According to the evaluation of peasant household credit rating, make different credit limit and preferential policy, meet the farmers loan demand, greatly support and push credit farmers, credit enterprise healthy growth, make them to recognize good faith is intangible asset, and benefits rely on credit to realize. Meanwhile, severely punished according to law the discreditable behavior, improve the faithless cost, in all the social form ShouXinZhe benefit, and punished paper good atmosphere.