Research And Analysis On Small Business Credit Management System Of Zhejiang Chouzhou Commercial Bank

In recent years, with significant development of computer technology and improvement of information technology, as well as the expansion of the business credit customers’ needs, it’s necessary for the application of computer technology to the credit management system. Only using advanced management tools and unified information system, we’ll organize the loan data in a scientific and standardized way. As China’s financial reform blossoms, commercial banks urgently need a credit business processing platform to ensure efficient operation, to meet customers’ demand, thus leading to sustainable business model.This paper describes the design and achievements of a commercial bank credit management system. The system is based on the windows’ platform. It primarily benefits for staff of commercial banks, enabling them to conduct quick, high efficient and accurate operation. This paper is divided into five chapters. Firstly, the paper introduces the current situation and application prospect of credit management system, subsequently business analysis of the system were described in detail, then it carries on the functional analysis, and then it introduces the data analysis, which is shown in the form of the entity relationship diagram and concept map. Finally, it presents a summary and outlook for the future.This credit management system aims at achieving a system which affords convenient services for the customers, and high accuracy and reasonable evaluation of the risks for the stuffs. This kind of commercial bank credit operations will play a greater role in the future.