Research And Analysis On Credit Management System Of Micro - Enterprise In Bank Of Communications

Financing difficulty and the way of financing is solitary are universal in small and micro enterprises of our country.Financial matter has become the bottleneck of development for small and micro enterprises.Bank of communications in response to the call of the state council supports actively the development of small and micro enterprises,and solves the problem of funds of small and micro enterprises in the development.The bank loans 30 billion for the small and micro enterprises through "Help the industry passed" in 2013.But dealing with the credit is bureaucratic,complex and difficulty for the small and micro enterprises.The risk of funds is high for the bank.So the bank of communications needs develop a set of specific credit information system for small and micro enterprises.The writer makes clear the research content and main work of the paper based on his practical experience in management,and gives the research background of small and micro enterprise credit management system for the bank of communications and the project significance.The Organization and the original business processes are analyzed in business analysis and the optimized business processes are given.The paper makes clear systematic function through use case analysis and use case description in function analysis.The overall functional diagrams of system and the sub-package diagrams are given. The functional sub packag includes The client management, investigation and management before credit,credit management of examination and approval,loans management,post-lending management,data management and system management and so on.The paper analyzes the data the system needs in data analysis.The control class diagrams,system operation thumbnail class diagrams and entity class diagrams are given.The database table structure is established.In the end the paper summarizes the research and analysis and prospect the further research in the future.