Design And Implementation Of Commercial Loan ManagementSystemfor Dahua Bank

This paper discusses design and implementation of commercial loan management system for Dahua Bank. This system’s development goal is using financial industry criteria and the bank’s loan management routine as guidance, using information system’s characteristics such as data sharing, data completion and processing with high efficiency, to conduct a completed and integrated management chain for each loan project from investigation before loan, project assessment, second-audit during loan to investigation after loan.This system’s detailed function design is conducted according to the bank’s commercial loan management module and business routine. Pointing at commercial loan project management transaction, the system’s main functions include the following:In before-loan management phase, the system’s functions emphasize on investigation and assessment to the client’s business information, re-assessment, and related contract information management. In during-loan management phase, the system focuses on supporting control and analysis to client credit management and credit authorization management, controlling the loan transaction financially, and carrying out eligible and qualified loan transactions according to the system’s data integration. In after-loan management phase, the system focuses on management to the client’s business information, index analysis and risk pre-caution assessment. Surrounding with the above functions, the paper establishes demand analysis and software design scenario, gives database sub-systems and main business modules’ internal processing flows, and discusses main programming implementation.This system has passed test and trial running, has been integrated with the bank’s other business management system and works stable. It has very important supporting effect for the bank’s business.