The Design And Implementation Of Small Enterprise Credit Management System For Shanghai Branch Of Bank Of Communications

After China joined the WTO, China has been the rapid development of economy, small business plays a very important role in China’s economic growth. However, with the market development, small enterprises are facing increasing competition, need financial support. Because there is a big small business credit risk, making the banks are reluctant to lend to small businesses. But there is a big small, business credit for development, can become the bank’s profit growth. So, how to predict and evaluate the credit risk of small business bank credit management problems to be solved.To solve these problems, this paper Bank’s small business credit business background, small business credit risk factors were analyzed, and the small business credit risk system, the establishment of a small business credit risk assessment models. On this basis, the design and implementation of a small business credit management system, the system consists of customer management, credit management, loan management, query statistics, loan management, and system maintenance components. Testing and application shows that the system is feasible and effective.Compared with other similar systems, the paper work has the following characteristics:(1) from the Bank of the actual situation, to build a small business credit risk indicators. On this basis, the establishment of a small business credit risk assessment models. The model consists of logit model and expert scoring two parts, which is designed for the quantitative indicators logit model, qualitative indicators using expert scoring method, and the results of its qualitative and quantitative results are assigned different weights to obtain a small business credit Risk Assessment Model.(2) small business credit risk assessment model based on the design and implementation of a small enterprise credit management system. Small business credit management system is applicable to the Bank’s credit management business, the system uses J2EE+ SQL Server2005+ B/S technology to build.(3) testing of small business credit management system. From the functional and performance test completed both systems in order to detect defects, resolve defects, to build a high-quality credit system foundation.Software programming development Bank small business credit management system using Microsoft’s J2EE platform and the corresponding JAVA language application, using SQL Server 2005 relational database for data storage. The software has been tested, user evaluation result is good, the whole system is currently underway in the experimental stage, the state is stable.