Design And Implementation Of Management System For Individual Housing Consumer Credit Based On SOA

This SOA-based credit management system is a complete set of solution for bank credit integrated management information system, in contrast with the traditional credit system whose drawback is mainly account, electronic management as a means and for the purpose of risk prevention". It includes the common credit business products of banks/credit unions such as:loans, acceptances, guarantees, letters of credit and customer credit authorization; the implementation of this system will raised the credit management of commercial banks/credit unions to a new level, it provides a scientific and objective tool for exploring quality customers and finding the various risks that exist in the customer information and business processing through the acquisition and analysis of customer information; the system provides approval process management and the electronic processing of loan approval and a variety of workflow; in the whole life cycle of credit business, the system offers a variety of objective assessment tools, such as:credit rating in the pre-stage of loan, risk assessment in loan approval stage, risk detection associated with customer information, five/seven categories and risk detection after loan, etc. These tools analyze and process customer and credit information for commercial bank/credit union to maximize the use of existing information on risk analysis and provide objective bases for business decisions during conducting credit operations.In this paper, I analyze the status of current domestic individual housing loan and business management needs, and made analysis on demands of the individual housing loans system from user needs. This paper describes the design framework of system, including five parts:overall design, features modular design. In system implementation section,the system operating environment deployment and network environment are introduced, and I describe the overall implementation of the system by showing the function module implements interfaces in this section. This paper provides an implementation plan for the interaction demands management of application approval, loan approval, registration, registration approval and other operations related to individual housing loans. It has a positive significance on completing individual housing loans system integration and enhancing the orderliness, efficiency and integrity of individual autonomy housing loans management in the future.