Design And Implementation Of Minsheng Bank’s Microcredit System

The current loan management area in Shanxi province is still manual operation, business document registration management and archives management based approach for the work. In many places, although the computer configuration, in the absence of special loan management software work,can used office software word and Excel files to record and calculation, financial aspects, loan guarantee, loan approval of company information, as well as the customer signature process management. In this way the business less, loan process simple also can more convenient processing loan business, but not much business expansion, the type of loan increases unceasingly in the situation, too many problems, this approach based on file exists many disadvantages, including the file security, no access restrictions, the data is not synchronized, the process is tedious, error prone and other shortcomings in the cooperation of multiple departments.This paper summarized and extracted fully in the microfinance status to the Shanxi area, using the software engineering methods on the research and design and implementation work. On the banks of the description of the business was launched, the implementation of business and technology closely together, for the business software implementation may provide. In this paper, the system function and the banking business conducted a storage structure of the database design and analysis, the whole system of data and constraints in the database to reflect. Using B/S structure of website development, the realization of the system using SSH framework. Relational database system using Mysql manufacturers to provide database, the system provides data access support. The system adopts the mainstream design method and the realization of each part, in the reliability and maintainability of the system has been enhanced. This system runs under the environment of network, and make full use of the network facilities, improve the bank’s work advantage, also reduced the management cost, provides support for good for the bank management and reform.The system realizes the bank personnel management, settlement of the loan, according to print, results statistics function, provides convenience for bank business operation. In the realization of loans at the same time, strengthen the credit management of each process, realize win-win benefits for enterprises and banks.