The Design And Implementation Of Credit Management System For Shenxian Commercial Bank Based J2EE For Sanxin Project

The customer group of Shenxian rural commercial bank is 2000 farmers in 42 villages.The bank has processed ＄300 million loan business and the maximum amount of daily credit is 100000 yuan.This topic need to design a credit management system in accord with the actual demand for credit of shen county villagers. The difference between this system and the old ones are that it belongs to the sanxin project,i.e.faceed with the credit village, credit group and users.Althogh they are all called credit system,the credit business and stage covered in the systems are not all the same.Many Banks establish a personal credit business management system, the company credit business management system, credit (former) system, etc.This topic made a research of the shen county rural commercial bank credit system,which need to cover all the kind of credit,including credit investigation, loan demand analysis, environment analysis, customer analysis, analysis of loan guarantees, loan project evaluation and post-loan management, loan risk classification and bad loans of almost all the credit, which,covering loans, guarantees, acceptance, credit support, guarantee and commitment, etc,to achieve the full credit business management and meet the needs of the city commercial bank credit business.The system establish a small amount of credit risk management system framework based on B/S model and J2EE framework as well as the Struts MVC framework technology and related processes.The integral design of the system is determined by the overall process of the credit business. We use the non-process management module class to design related data flows and use the process management design business processing module in terms of the specific business process of each module and data processing so as to make the system good expansibility and maintainability.In the system implementation process, it should ensure sound scaiability, flexibility, and maintainability of applications. It is conductive to banks to improve credit basis, to improve the quality of credit information,to regulate the credit business processes and to enhance the statistical analysis of the credit business. Only by this means, the bank Can achieve the goal of preventing and controlling credit risk, improving the level of credit management, improving the competitiveness, and laying the foundation for the bank to provide farther value—added services. This dissertation designs and implements an advanced and effective credit risk management system for state—of-art management system and processes of the Shenxian Bank. Through providing sufficient information to support business innovation and operational decision, it helps credit risk staff to better monitor customers and make them more informed before effectively making lending decisions.