The Design And Implementation Of Personal Credit Systems For Shandong Rural Credit Cooperatives

With the continuous development and growth of China’s socialist society in the21st century, the business volume of China’s financial institutions is also increasing sharply. As an important part of financial institutions in Shandong Province, the volume of loan transaction in Shandong Province Rural Credit Cooperatives has also been increasing quickly. With electronization and informatization blending quickly in to people’s production and living, the handle official business of Shandong Province Rural Credit Cooperative is also tending to paperless. As the most important business in Rural Credit Cooperatives, personal loan business has also been developed unprecedentedly so that credit audit for lenders becomes extremely important. Shandong Province Rural Credit Cooperatives needs to check the client’s credit report and details to achieve audit of the client’s credit situation. All the aboves bring great challenge of managing personal credit information for Shandong Province Rural Credit Cooperative. Therefore, Shandong Province Rural Credit Cooperatives needs effective management of user’s personal information and login information, data packets and MT data in the system, and sharing system resources.Struts2+MVC framework is mainly used in the design of the personal credit system for Shandong Province Rural Credit Cooperatives, by separating interface and database with classes which greatly simplifying the design process and ensuring the system being effectively and efficiently operated and used. It will produce large amounts of data in the use procedure of the system, including important information of MT packet, sending situation of packets and client information, etc., so the system adopts SQL Server2008database to operate maintenance and modification of related data, as well as B/S architecture, and the background uses JSP dynamic page development, greatly protecting the security and reliability of the data.The system implements three functional modules, system management, data reporting and information inquiry, mainly including data reporting, data packet preprocessing, MT data transmission and personal credit report inquiry, effectively completing user management; with mutual cooperation and resource sharing among user administrators, data reporters and information inquiry clerks and by assigning different rights for different roles, the system achieves operations of new creation, modification, and query of system users, and data packets can be generated and sent. In addition, information inquiry clerks can query personal credit reports.The test results show that the system basically meet the demands and needs of the personal credit business for Shandong Province Rural Credit Cooperatives, securely achieve the data storage and management. System interface is generous and elegant with high usability. The personal credit system for Shandong Province Rural Credit Cooperatives uses modern office concepts of informatization and paperless to effectively promote the securing, sharing and unification of the procedure of the personal credit for Shandong Province Rural Credit Cooperatives, improving the work efficiency of all employees in Rural Credit Cooperatives, and bring a beautiful vision for the long-term development of Shandong Province Rural Credit Cooperatives.