Study On Credit Management System For Micro-credit Business

In these years, as the reform of the financial system in China is going further, micro-credit business, one of the new services, is offered on customers’ request. Micro-credit, serving mainly for the medium and small business, is flexible and rapid. It can provide the unsecured loans. As the service expands, the old operation system and procedures in loan service is inadequate. Therefore, a new and reliable micro-credit system is urgently required.The dissertation introduces the new system that is based on the complete analysis of the requirements of small business and focuses on the customers’ angles. It conforms to the relevant regulations and exerts the Struts’B/S structure. The linking technology from Proxool is applied to improve the performance and flexibility of the application program. The system takes the modular design to meet the demands of the companies that needs small loans to expand their business. JasperRport+ iReport is applied to realize the modularization. The system helps to build the credit management which includes the credit risk management, like loaning process, customized authorization, and fund management. It functions as a tool to provide the collection and reflection of the information about credit and other relevant service for micro-credit business. It also offers the functions of monitoring, decision and precaution for company’s all level administrators.The system makes use of role classification to manipulate the users’ visit, contract and iou management, loan application and approval, after-loan management, five categories loans, risk assessment,etc. The system with a simple interface is friendly and easy to operate. It will help to improve the micro-credit company’s daily management and core competition.