The Design And Implementation Of Fuzhou Bank Silver Credit Risk Management System

With the rapid development of the national economies and financial markets, thenational credit businesses, especially the small loan company, have been growingrapidly. Those companies are in small scale, few personnel, and low technologicinvestment with the requirements of the business process integrity, accurate evaluationof client credibility. Recently, Fuzhou Bank of China financial institutions have thecomplete loan business system with big cost, but the small loan business companiesdon’t need many functions. Therefore, an easy maintenance, less cost in hardware andsoftware with the characters of management of loan business, staff and office fairsinformation management system is required.TO solve the problems above, we design and develop a credit informationmanagement system for the small scale loan business companies to meet their demands.Te system shares resources easy with B/S structure, and has following features:Complete loan business processes. The system is developed with many researchesin the rural banks, commercial banks, urban credit cooperatives, rural creditcooperatives credit loan information management system. Consumer credit businessincludes customer registration, customer information management, customer loanapplications, credit evaluation, credit approval, contract management, loan informationinquiries, loan recovery, loan expired management, interest rates accounting. The entirebusiness process carried out by strict process flow, formalized and processed thebusiness management. Besides, the system ensures the smooth progress of credit loanbusiness and the customers can easy understand relate business.Scientific mathematical model. The evaluation of the credibility of customers isparticularly important to reduce credit risks. The system uses scientific mathematicalmodel to evaluate the creditworthiness of the customer. And the creditworthiness hasbeen divided into5degrees, scientific and accurate assessment minimizes credit riskbasis on the customer’s income, family situation, investment projects, and historicalcredibility.Powerful accounting features. System supports charged methods such as a fixed,month-to-day, season-to-day, year, month, and daily interest rate. Equal principal, cleaninterest when pay back, repay interest by season, advance in interest, free repayment, repayment in schedule, handling charging and advisory also are supported.Office automation and employee performance assessment. We have realized thecommon functions of business application, document management, public affairsmanagement, personnel management, office supplies applications. At the same time, thesystem also provides legal ordinance query function for customers and staff.