Research And Analysis On Credit Management System Of Small Enterprises In Yichun Branch Of Construction Bank

Credit business is the core business of the bank., the credit process involves a lot of data and information and high accuracy requirements for data, so credit process needs to realize information management. Advanced credit management system can not only significantly improve the efficiency of bank credit business, improve the quality of service and management of the information, but also effectively reduce errors in manual operation, greatly improve the accuracy of the data, and can realize the real-time management and effectively control the risk.In this paper, through the investigation and study of the system, with Yichun branch of China Construction Bank of the small business credit management information system development as the background, using the method of software engineering analysis and design, the use of tools is based on UML modeling tool of Microsoft visio. Introduces the modeling technology in development of the system to use, based on the original credit management process and detailed analysis on the introduction of credit management system for business process optimization. By the functional analysis including Data flow analysis, system function structure diagram design and database design, design small business credit management system of Yichun branch of China Construction Bank.At the end of the paper makes a summary for the specific content of the article and own work content, and analyzes problems and deficiencies of the system in the course of the study. Finally, the future work of the credit management system is prospected. Through the designing of this project, can better achieve the small business credit management of Yichun branch of China Construction Bank. Through the effective integration of customer information, loan business and many other information extraction, provids convenient services to local small business loans. In order to effectively improve the bank’s own business competitiveness, at the same time reduce the bank’s loan risk to a considerable extent, and reduce the non-performing loan ratio of new loans.