Design And Implementation Of The Credit Management System Using Credit Subsystem

The original credit system of banks is not suited to the requirements of existing business development and risk monitoring with the business development and continuous improvement of credit product research and development and system. Loan quality determines the survival and development of the bank, so an important means to prevent and defuse financial risks is to strengthen the supervision of credit process. Based on "agriculture, farmer and rural area", the provincial credit union takes the support for "agriculture, farmer and rural area" as the business philosophy, firmly upholds the idea of serving "agriculture, farmer and rural area", gives full play to the role of serving "agriculture, farmer and rural area" as the main force. In face of RCCs’ complicated credit environment, the provincial credit union develops the relevant systems and processes to avoid credit risk and takes into account the fact that credit risk is not limited to loan origination. Thus, the bank lending survey prior to the loans, risk evaluation, approval, contract signing, granting and payment of loans and subsequent post-loan management should have the appropriate institutional constraints. Besides, the provincial credit union continues to strengthen its new loan regulations, and apply the corresponding institutional norms to credit business processes, thus providing a direction for system construction. In terms of system construction, in order to ensure the system’s applicability and progressiveness, it rationalizes the operating mechanism of three-grade management of provincial credit union, offices (municipal credit union), and county-level credit union, cleans up contract signing and granting and payment business processes, and improves credit management mechanism. On this basis, it proposes the needs of credit system construction and then the development of the system, in order to ensure that the system can meet the needs of the future development of the credit union.Credit system mainly includes customer management subsystem, customer ratings subsystem, credit approval subsystem, credit utilization management subsystem, post-loan management subsystem, risk classification subsystem, asset management subsystem, file management subsystem, account management subsystem and report management. Among them, credit utilization system, as the core subsystem of credit management system, plays an important role in risk control and management after credit rating. The redit utilization subsystem module mainly achieves contract signing, loan, collateral management, query and other functions, and the module includes four items according to different business needs:contract management module, loans, credit card module, collateral management module, and credit inquiry module. This paper focuses on describing the requirements, design and implementation of credit subsystem contract signing and loan granting and payment.