The Design And Implementation Of Small Micro Credit Risk Management System For Bank Of Rizhao

Rizhao bank is a commercial Banks based on the local economy, mainly to provide financial support to rizhao city small and medium-sized enterprise, provides the high quality service for the general public.In recent years, the bank of rizhao road to the development of modern commercial Banks to explore, to open small business credit, credit assets can bring huge benefits to Banks, but also to make Banks bear the huge risk.In order to decrease the cost of credit risk and risk management, bank of rizhao to survey and explore the market, and decided to set up a bank of rizhao small micro credit risk management system to supervise and control the credit information.This system is mainly based on B/S three layer architecture of development, with the object-oriented design for the general idea, and integrate the Struts2 framework, the MVC development pattern, the system is divided into three layers model layer, view layer, control layer, make the system level and bright, has a solid.On the interface design, using JavaScript scripting language, Jsp dynamic web development technology such as system calibration of the layout of the page with the information.In database design, select the high security, stability, strong large relational database Oracle 10g data updates, guarantee the security of the system data.Through the analysis of the characteristics of the bank of rizhao small micro credit business, divide the function of the system, mainly divides into the credit information input management, business management, credit loan management, process management, customer management, five big functions, unite by the system operator for business to deal with. System operators to promote books, such as loan application and forecast customer credit information basic operations of the entry and query;Can launch toward personal business and operations, to manage their business processes of business information, application information, guarantee, etc.;To all kinds of credit information, loan information, contract information input, query, editing and so on maintenance;Can also all process in the management system and individual customers and customer information.Rizhao Banks to use the small micro credit risk management system, can the basic information of the unified administration of small micro credit, business processes, information, customer information, etc., and according to the situation of credit loan, customer records, to the risk of judgment, make timely adjustments.The use of this system, on the basis of benefit bank and customers, effective control of the small micro credit risk rate, can improve the sunshine bank performance in small credit business, bring a steady stream of customers for Banks.