Design And Implementation Of Construction Bank Credit Risk Loan System

The loan business is the most important part of the profits within the bankingsystem, and it has decisive role for the survival and develop of the bank. Within thecompetition to promote the ability of the loan business process and the customermanagement has important role and need to be cared. Although the strategy of thebank has been changed within the market reform there are some risks from thecompany, the customers and the other way. Build a management system of creditrisk can be promote the management of efficiency of the the loan.This study combined with the loan of BCC to analysis the credit managementsystem. Firstly, combined with the research to clear the types of the costumers and toclear the system function and build the basic function to the requirement. Secondly,make the process diagrams to analysis the customer information, user management,risk assessment, contract signing, loan approval and management and to make thefunction module of this system, the module including the customer informationmanagement, loan management, credit management, statistics inquiry, and systemmanagement. Thirdly, use UML to describe with the diagrams. Thirdly, within themethods of object oriented method and J2EE architecture d esign system based on theprinciples of software design of the overall system architecture, database, E-Rdiagram and system security design, system design into B/S three layer architecturemodel, SQL SERVER2008database to store information about social loan business.Finally, make the system function module and build the class diagram and sequencediagram, complete the design of the function of the system, on this basis, the systemrealize the function of the interface and main code. After the system build, combinedwith software static and dynamic test methods to test the environment, the functionand the stability. Under the credit risk management system the workload has been reduce and thesystem reduce the cost and the time for the loan management, it has optimized theloan approval process, has an important effect to reduce the risk, and promote themanagement of the customer credit and loan recovery, asset maintenance.