| The generation of bonding institutions can effectively reduce the risks of lending relationships. The business processes of bonding institutions are so complex that the traditional work mode cannot meet the needs of social development. The business model of manual tracking causes a low efficiency in the bonding industry. The establishment of the bonding company’s colligation business management system can achieve the informationalized management for bonding institutions, providing a whole monitor process of businesses, building a scientific risk control system as well as offering a significant data support for risk control staffs with the help of powerful query statistics function. The application of the system can realize an efficient collaborative interactive mode of bonding industry, improving the entire industry’s work efficiency.Bonding company’s colligation business management system uses Struts+Spring+Hibernate framework. Online edition platform B/S architecture and Microsoft SQL Server2008is applied to build the background database. Before the design of the system, work practices and business processes of bonding industries are determined to ensure the system’s project acceptance, investigation and evaluation, underwriting loans, secured regulation and compensatory recovery. The normal processes, requirements elicitation and analysis, system design, system implementation, are held in the system.The design of the system should adapt to the workflow of bonding institution as well as meet the work requirements.Project admissibility function, investigation and evaluation functions, underwriting the lending function, the insurance regulatory functions, compensatory recovery function and query statistics should be equipped in the system. The bonding project from project acceptance to investigation and evaluation, finally reaching the function of underwriting loans is tracked. All project’s related data are stored in the system, and risk control personnel can analyze the project according to the data which improves the quality of risk control. The progress of bonding company’s colligation business management system can effectively improve the management level, reducing costs of bonding, realizing controllable risk of bonding industries and increasing the profits of bondings. The development of the system can provide a colligated information platform for bonding institution, building a perfect workflow mechanism and a flexible warning system, improving the sharing rate inside industries. Informatization way of working will also realize fast and accurate statistical analysis to proactively identify risks and to attain a high risk control, improving operational levels and efficiency of bonding institutions. |
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