Design And Implementation Of Bank Credit Management System

The financial globalization and the volatility of financial market presents higherrequest to risk management of domestic commercial Bank, in order to standardize thecredit operation and management of commercial Banks, improves the efficiency andquality of the credit management work in Banks and enhances the marketcompetitiveness of bank, all commercial Banks have started to attach importance tocredit management, so as to promote the healthy development of bank credit businessthrough the effective management. According to the work present situation of creditmanagement for Wenzhouluchen Branch of Industrial and Commercial Bank, the thesisdiscusses and develops a plan of credit management system.sThe development scheme of credit management system in the thesis, that putforwards using ASP.NET technology, bases on Visual Studio and SQL Sever database,designs and implements a credit management system of three-layer structure. The thesisdiscusses the design and implementation process of the system in detail. At first, thisthesis introduces the research status and problems existing, and compares the severaltechnical solutions, finally the technical route is proposed; Then the thesis analyzes thebusiness process, interface and security of credit business, On this basis, this thesisdiscusses the system architecture, interface architecture, system security architecture,and gives the key data model of the system; Once again, this thesis discusses therealization of some function modules in detail, such as the lines generated, linesadjustment, credit inquiry, credit check, rights management, user management, etc., andgives the program flow and implementation result of the system. Finally, from twoaspects of functional testing and performance testing, the thesis dicusses the testingscheme of the system, and the correctness of the system function is verified.Compared with other similar systems, on the technical solution, the creditmanagement system in the thesis adopts the ASP.NET three-tier architecture, it ishelpful for enhancing the flexibility and maintainability of the system. On the fuction,the system covers all the business of credit, it realizes the timely generation andadjustment of the customer credit limit; At present, the credit management system hasrun online in Wenzhouluchen Branch of Industrial and Commercial Bank, it has important practical significance for promoting bank’s risk control ability.