Research And Design Of Credit-management System For Micro-credit Institution

Recent years, the economy of china was developing so fast and flourishing.Then it is tough for small medium enterprise especially micro-enterprise to get a loan,because of credit terms and threshold. The experiment of micro-credit institutionrelieved that awkward situation which the small medium enterprise and threedimensional rural companies were difficult to getting loan.With human society fully accessed to the information era, computer technologydeveloped rapidly. Due to it powerful capability, it has been used in every corner ofhuman’s life, playing a more and more important role in various fields.Taken the credit management system used in micro-credit institution as anexample, the thesis described the credit system requirements analysis, system designand implementation procedure. Firstly, micro-credit institution business operatingmode should be exactly learned and analyzed. Meanwhile, work manner, method andprocedure the institution used also should be obtained. Then all the informationneeds to be analyzed. After confirmed the system function and the way how toachieve as well as databases design, related technologies were chosen to completethe management system according to the requirement analysis and design content.The system written by JAVA language based on the D/B/S three layer architectures.The server should be LINUX operation system. Middleware need Kingdee Apusic.Databases use Oracle10G RAC database cluster. The aim was to guarantee theflexibility of the system and realize highly availability.In this paper, the design and development of the system consists of fivefunctional modules: customer management module, credit management module,financial management module, system management module and peripheral interfacemanagement module. Customer management module aims to adding customer basicinformation, financial information and relevant customer maintaining function.Credit management module aims to realize loan application, review, contract signedand post-loan management. The financial management module includes accountmanagement, financial statement, certification management, accounting and report.The system management module implements organization setting, financialparameters setting, system parameters setting, system security and proceduremanagement. And peripheral interface management module provides data query, update report function and peripheral interface for financial regulation.Based on the micro-credit institution system research and design, loantransactions become more efficient, more convenient. It greatly improved workefficiency and made the complex business operations methodical.