Design And Implementation Of Retail Loans Approval System For China Bank

Under the guidance of Bank of China’s development strategy that is "leapfrog,multiplication", the retail loan business in the branch of Guangdong region is developing sorapidly that traditional manual operation pattern already can not adapt to the needs of businessdevelopment and risk control. In order to adapt to the rapid development of retail loanbusiness and improve the retail loan business management level and risk control ability, Bankof China will establish retail loan center in secondary level bank and Guangdong region incombination with the actual situation of Guangdong region. All the retail loan will beexamined and approved in the concentrated center and it will realize the complete separationof activities before, during and after retail loans. To ensure the retail loan’ reformation and theretail loan center’s construction successful, Bank of China puts forward the developmentdemand of Retail Loans Approval System.With the use of Retail Loans Approval System for China Bank, it will strongly supportthree aspects of retail loan’s reformation and development: the demand of business processesreformation, market competition ability’s development and risk control. In order to meet theabove needs, the subsidiary bank in Guangdong region is restructing the retail loans businessprocess and building a new operation pattern which make the complete separation of activitiesbefore, during and after retail loans to release the strength of frontline marketing, streamlineoperation staffs, strengthen risk control and post-lending management and improve servicelevel. During the process Retail Loans Approval System for China Bank will play afacilitating role.To achieve the above objectives, this paper completed the following work:1. With the software research idea based on B/S architecture, we analysis the existingtechnology on the clients and servers, and put forward a technical solution;2. Based on the actual demand of the Retail Loans Approval System, we decide to useB/S architecture to construct the system. This paper has analysis browser plugintechnology, WebSphere MQ technology, Play Framework technology and applicationserver technology in clients and servers concretely which can establish stabilitytheoretical foundation for the system’s development.3. With rich requirement analysis of the system, we determine the system aim, dividethe system organization types and roles, and understand the business process,function architecture and main function modules of the system. 4. We has made the architecture design for the system from the aspect of client andserver, and designed the network topology, function modules and databasearchitecture of the system.5. Based on the system architecture, this paper describe the business process andimplementation principle of the system from the aspect of client and server in details,and finally implement all the functions of the system.Through the research, it can effectively cut down the materials delivery time in the retailloans approval progress for Bank of China and improve loan approval efficiency. And onthe basis of strict process control, it can record all the processes of retail loans approvaland follow the process in real time. At last it can realize the efficient and accuratedelivery of the materials among different departments, electronic management of theapproval process and improve the work efficiency.