The Design And Implementation Of Credit Risk Management System For Qilu Bank

For Qilu Bank, the speed and security of credit will determine the efficiency of bank earnings. For customers, the speed and security of credit will determine the convenience of customer capital turnover. Thus, the credit efficiency of Qilu bank is necessary, which not only to meet the speed of credit, but also to ensure the safety of credit. Facing needs of Qilu Bank and customer, it requires the use of computer technology into fast and security capital turnover service ranks, and improves security and speed of credit. Therefore, we need design and implement a credit risk management system for Qilu Bank. Through the design and implementation of Qilu bank credit risk management system, we focused on solving two problems of credit and risk. Thus, we use the combination of computer technology and Qilu banking business to better serve the majority of the people and work hard jointly to enhance the overall strength of Qilu Bank.Qilu bank credit risk management system design process mainly selects struts framework under the J2EE platform spring framework and hibernate framework to complete. First, we conducted a general summary to the current status of the bank credit industry and had a basic grasp of the business side of the credit business, and prepared adequate information to pave the way for the needs analysis. In demand analysis, we made bank’s business fieldwork, analyzed the specific implementation of the function from the specific business, made the overall planning analysis, and used case diagram manifest business functions visually. On the basis of the demand analysis, we made the demand modular and systematic, used the model to complete the overall architecture design, and we gone through the process to guarantee no logical error. Then based on architecture design, we conducted database modeling, clearly showing the relationship between tables and tables and tables, and prepare the ground for the actual development. Finally, according to architecture and database design, we realized functions step by step. After that, we performed test work.The system realizes four major functional modules that are public part, customer management, rating management, quota management in the Qilu bank credit risk management system. Public part module realizes system management:realizes users’ personal information changes and other functions, completes alert message to prompting users of credit and process management. Customer management module implements three parts function which are corporate customers, individual customers, poor customer inquiries. It achieves the credit client effective and reasonable regulatory oversight. Ratings management module is the comprehensive evaluation to the timely degree and credit quality of loans to customers and payments according to certain quantization, including personal ratings and corporate ratings. Quota management realizes bank’s effective and dynamic control to customer credits.After the system runs, it realizes Qilu bank credit operations systematic, improves office efficiency, and could flexibly deal with the credit risk of banks operations.