Small Wlliciro Credit Guarantee Financial Institutions Integrated Business System

Small and micro businesses is the domestic main force of economic development, butalso the economic development of our country’s active molecules, Small and micro businessescurrently in China there are about ninety percent of the total number of enterprises accountedfor more than us, the total output value of GDP to the country’s growth play a decisive role,and provides more than seventy percent jobs for the society, eighteen major party high lightsof science and technology is Small and micro businesses development support, and restrictthe development of Small and micro businesses in their own economic strength and externalfinancing is difficult, the small and medium-sized enterprise of national policy supportenvironment and finally some glimmers of hope.Because of the role of macro-control to curb inflation and take in the country, Small andmicro businesses loans more difficult, which makes the financing problem Small and microbusinesses is more prominent, support method through the credit guarantee system to supportthe small and medium-sized enterprise development is also the world of the small andmedium-sized enterprise proposed in the eighteen’s, the credit guarantee system of simplifiedthe loan process, extended the loan scale, providing economic guarantee for the developmentof Small and micro businesses, is consistent with the effective method for the economicdevelopment of our country.Development of the credit guarantee business can not be blind expansion, the risk musthave relevant regulations and strict rules to control all aspects of the process andrules, so perfect became a prerequisite for China’s credit guarantee business, perfect rules inorder to promote the development of the guarantee industry stable, healthy, this articlethrough carries on the investigation and Analysis on credit the security industry, developeda small micro financial institutions credit guarantee business approval process.At present the guarantee industry business process the majority still remain in the manualprocessing stage, contrary to the information and the pace of development of the times,low work efficiency, high level of information security risk is also restricting the developmentof guarantee agencies to efficient high speed footsteps, information can obviouslymust achieve business make it grow. As a credit guarantee institutions to small and micro financial institutions plays a vitalrole in the credit process, as a bridge loan with bank, for the two sides to provide creditsupport for business loans, provide a convenient, avoid the risk for B Bank to put goods, toborrow from the promoters of loan application, guarantee institutions require the enterprise toprovide the relevant data, provide the relevant materials and the qualification of theenterprise loan borrowers, guarantee agencies to make a preliminary analysisof materials, decide whether or not to accept, the Guarantee corporation relatedpersonnel detailed survey of borrowers or enterprises and putforward opinions and review department comments on data, to decide whether the projectevaluation, project appraisal committee ultimately determine whether loans and determineloan amount, loan term, loan interest rates. Through the project review committee review loanprojects, to inform the bank to handle the relevant formalities with the lender loans. In theloan after the adoption of credit guarantee agencies to supervise the process in ensuringthe project enterprises, when the lender is released recently timely repayment guaranteeliability.This thesis aims to provide a consistent with the credit approval process forcredit guarantee institution, credit approval management system to credit the actual businessprocess based. The system uses PHP as a programming language, MYSQL as database. Thispaper from the development background, development objective, research methodsand expounds the significance of system development, the business system process ofthe decomposition described, finally to the logic of the system design and function design forthe key description.