The Research On The Establishment Of Bank Crediting And The Development Of Management Platform

With the country’s financial system reform, some state-owned commercial bank begin towork on joint-stock system reform and pubic listing. Shareholders of commercial bankrequire to conducting risk management and building a comprehensive, timely and flexiblecredit management platform. Crediting defined by the central bank, refers to a centralized andunified control of credit risks, according to the assessment of the customer’s credit, based oncredit risk limit and the approval of crediting.Currently there are various crediting.But few of them can complete lines of creditthrough the whole credit business process.However, only sound credit management platform,applicable in the industry can measure its risks faced effectively. The large commercial banksin China don’t have the systematic support to run the whole process. The bank credit is facingthe following problems, caused by credits occupancy, inflexible recovery and adjustment;business and customer’s needs are not met. There is only a relatively simple crediting controland few processes to manage crediting. A variety of credit products can’t be supported by thesystem. Different needs of customers can not be met. Banking string has not yet beenachievedAiming to solve the above-mentioned problems, we carried out the following the research onthe establishment of bank crediting and the development of management platform.On theexisting platform of crediting, the management program will be designed through the entireprocess, covering all credit products. A comprehensive management will be conducted in thewhole process of credit line.Bank credit system analysis and banking strings will be designedand implemented. Based on the research theory, the banking string has been designed.Customer information is fully reflected at the interface. The relationship between customer’sbasic credit limit and sub-limits of banking products will be taken into consideration, whendata model is designed.Overall business needs will be illustrated.With the integratedimplementation of design system, which is user-oriented,engine tools will be applied (ILOGrules engine product)and business rules will be separated to accomplish rapid adaptation andflexible application. The construction of a relatively comprehensive process management and control canimprove efficiency for banks, enhance the competitiveness and promote the development ofcredit business as well. Based on the studies, the functions as bellows start to work.Information of credit management system reduces the risk of manual operation. Theconstruction of credit management platform makes credit operations step into standardizationand automation. An operation platform throughout the entire business process can strengthenrisk management and warning so that shareholders’ value will be maximized. It can alsoestablish a comprehensive management system which will reduce the concentration risk of theloan, perform prior management and guarantee the financial security of the bank. Besides, itflexibly controls the customer’s crediti for itemized products.According to the program,banking strings are implemented by taking up other products.