The Design And Implementation Of The SME Credit Management System For Bank

The Small and medium-sized enterprises (SMEs) are the important part of the national economy, and is playing a more and more important role in the whole economic system, how to help the SMEs with money has become an important duty to the banks, meanwhile, The bank had to spend much effect in preventing and controlling the credit risk of small and medium-sized enterprises, and the credit risk management system of bank in China is still not to take implement differentiated and personalized management to the small and medium-sized enterprise, and can not help to control the risk and service the suggestion except the account management and statistic, unable to effectively estimate risk and fully reveal the risks. This paper is based on the credit risk management system which is in service now, and combines the dynamic risk control management, effective control the operational risk and credit risk, completely meet the credit policy. Taking all these factors, we design and implement the system of credit management model of small and medium enterprises.During implementing, a United Modeling Language (UML) was used and showed good results in this paper, which take the J2EE multi-layer architecture, emphasizing security and strict control of authority, and ultimately include customer information management, credit risk approval management, dynamic risk management, and performance management, and further broken down into more management function, the important process and link are described, and the detailed function design, the realization of the basic functions of the main modules of the system, so that the whole system can not only covers the whole process of bank risk management, and marketing promotion, risk control, performance evaluation, business further integration and optimization, to achieve the dynamic management of early warning of risk, improve the management level and profit maximization of the credit business for small and medium-sized enterprises.This paper introduces the development and operation of the risk management system is currently the domestic representative of the bank, and the bank credit approval and management system of China is introduced and analyzed, analysis of the lack of the bank to the small and medium-sized enterprise professional management from the policy requirements and risk requirements, in order to strengthen the control of the small and medium-sized enterprise risk management the risk, the combination of dynamic and static analysis, and the realization of the related functions in the system; through the development of the small and medium-sized enterprise credit management system, not only to the existing SME credit process specification and combing through the information technology level, but also conducive to the optimization and adjustment of existing policies and procedures, to provide better information and theoretical support for the credit management.