Design And Implementation Of Risk Management System For Tianjin Branch Of CCB Credit Card Transactions

In recent years, with the deepening of financial reform and gradually let go of thefinancial system, financial market competition is increasingly fierce, foreign financialmanagement in various advanced service tools and means was introduced to thedomestic. As the financial sector new credit payment tool, credit card developmentspeed is very fast, no matter from issuing amount, quantity, number of ATM/POS andspecially engaged agent node has a very large increase on the number, and the amountof the card balances, all transfer, card consumption is declining, card transaction risk isalso more prominent. Therefore, how to manage credit card management, themanagement department, and good business credit card business, make the limitedfunds to create as large as possible economic benefits, this is in the development ofcredit card business become more and more important problem.The current credit card business is the comprehensive management of constructionbank Tianjin branch depends on trading system simple statements, static data, themethod can only obtain business for angles and multidimensional risk analysis, or futuretrend analysis, are difficult to obtain powerful decision-making information. Based onthe above problems, the use of advanced computer technology and database technologyto build the construction bank credit card risk management system of Tianjin branch, atthe same time, through the establishment of risk control and risk early warningmechanism to solve the model. System on the functional architecture mainly contain theaccount management, credit management, credit card, decision analysis, reportmanagement and main function modules of system management. On the specifictechnical implementation route, system application software engineering principle, thispaper according to the problem definition, feasibility study, demand analysis, generaldesign, detailed design, coding unit tests and other steps. System according to thecharacteristics of the construction bank Tianjin branch itself needs, based on the J2EEtechnology platform for development, software architecture using struts2+Spring+Hibernate lightweight framework design pattern, choose B/S system structure mode, thebackground, using MY SQL database development environment using MyEclipse8.5, aWEB server using Tomcat6.0.29.Construction bank Tianjin branch of the credit card transaction risk management system is completed will have three main application value, the first is injected in themanagement thought trading risk analysis of control strategy, the second is to strengthenthe target customer groups positioning, finally joined the risk analysis based on controlfunction, keep and improve the function of the traditional credit card businessmanagement system, such as account management, credit management, and report view,etc.