Design And Implementation Bank Credit Risk Management System Based On J2EE

In the recent years, with the background of high speed development of Chineseeconomy and gradually increasing competition of market, banks has stepped into adiverse and complex stage of development. As credit business isa indispensable important part of banking business, whether can carry on a effectivemanagement of its risk decided whether a bank can have a healthy and steadydevelopment in the future operation or not. However, according to the disadvantagesuch as the imperfect data of processing information in the traditionalbanking business, lacking of science, system management in system, major financialinstitutions urgently to establish a set of advanced management platform forcomputer, network technology and information. The design plat form of the creditrisk management using a more popular multi-layer application which is calledJ2EE framework. Through the construction of the platform system, it expandsthe system data accuracy and reliability, and also in a certain extent, is convenient forusers to access and convenient operation. The system uses a high quality managementconcept, which can effectively improve the decision-making informationdevelopment of the bank itself. Meanwhile, the combination of the processing controlin business and the corresponding index analysis, improve its ability of avoiding thepotential risks in the operation of bank. In a word, the exploration of this paper isthe credit risk management system for the commercial banks which based on thetechnology of J2EE. It has many advantages such as the highly extension ofdata, flexible operation system operation and so on. Effectively according tocharacteristics of many departments and complex business process involvedin bank credit business, system introducing the corresponding work mechanism toming process control layer level, further strengthening the management and control ofthe credit risk from banks, which promote the scientific management ofthe credit business process, reducing credit risks, finding more effectively develop a variety of credit products in the business development, to seek more potential client.In our case, although each big bank manufacturers have come to realize thetechnologyof the computer in the plays an important role in risk control. But becauseof computer application technology in China started late in the existing banks, majorbanks have their own advantages and characteristics, it is difficult to achieve aunified data management. In recent years, the bankinformation management in ourcountry is increasingly perfect, so as to realize the management ofvertical bank, avoid operating risks, internal bank due to personal factors caused bythe moral risk, set up the integrated management platform with Chinesecharacteristics.The main function of this software is the loan application and loanapprovaloperation operation, credit business process operation, loans issued aftertracking operation, divided into management before loan, management, postloan management module.