The Design And Implementation Of Credit Management System For Shandong Province Rural Credit Cooperatives

With the further deepening of China’s reform and opening-up policy, China’s rural economy is in rapid development, the development of credit business of Shandong Province Rural Credit Cooperatives has made great strides. The old credit management system for Rural Credit Cooperatives has been difficult to adapt to the rapid development of the current rural economy. In order to make credit business of Rural Credit Cooperatives better escort for rural economic development, it is urgent to reform the existing credit management system of Rural Credit Cooperatives. The development of computer information processing technology and network technology provide a strong support for the development of the financial industry, IT has been able to liberate people from the complex data processing, and can make use of a more efficient and rational way to manage credit business by information technology.The credit management system for Shandong Province Rural Credit Cooperative uses a variety of computer and network technologies during the design and implementation process, including UML modeling technology, relational database technology, C#Programming based on Net Framewrok4.0platforms, network communication encryption technology based on openssl protocol, etc.. In the needs analysis and design phase, using the Microsoft visio2007modeling tool for UML modeling, In the implementation phase, the involved technologies are C#programming, relational database technology, and network communication technology based on TCP/IP protocol and encryption technology based on openssl protocol.With needs analysis, outline design, detailed design and programming, the systems finally realize the functions of each module for the credit business of Shandong Province Rural Credit Cooperative, mainly including customer information management, loan approval management, disbursement and recovery management, management after loan, query and analysis, and data maintenance. Registration of basic management system to achieve the customer, the customer associates, credit business. Customer information management to achieve the basic customer information, blacklist, customer management, personal, institutional loan card is put in storage. Loan approval has realized the loan application, survey, review, review, examination and approval. Lending and recycling management implements business loans, a surety, mortgage, the pledge, charge, roll over loans and loan management. Post-loan management implements the lawsuit, post-loan inspection, bonded asset management, collection of single print, loan collection receipt register. Laundry list, query analysis to achieve the business course collect, loan approval detail, the examination and approval, which have not been lending statistics, summary statistics of the query. Data maintenance to achieve the certificate management, modify, certificate number, account manager, customer types, the adjustment of the affiliation.The operation of the system will greatly improve the efficiency of administrators working for credit management of Shandong Province Rural Credit Cooperatives, and will make the management of customer information and credit business information more secure and convenient, thereby promoting rapid development of credit business in Shandong Province Rural Credit Cooperatives.