Design And Implementation Of Credit Management System Of Rural Credit Cooperatives

Nowadays, the farmers microcredit is becoming the important policy for farmerscharacteristic service in order to realize the sustainable development of the "threerural" commercial and financial services. So, how to scientifically and efficientlymanage large numbers of farmers microcredit and control credit risk are becoming thekey requirement for the management system of rural credit cooperatives. Rural creditcooperatives is an urgent need to conveniently and properly manage farmers smallloans, effectively control the credit risk, develop comprehensive and efficient creditmanagement information system by using the advanced computer technology andnetwork technology. As the same time, the credit management information systemcontains the foreground, middle and background information sharing platform, whichcan reduce the manual operation, avoid a large amount of tedious and repeated labor,and avoid the subjective factors. It is essential for the rural credit cooperative toestablish an advance credit management system, which can not only enhance thequality of loan management, but also improve working efficiency.In this paper, we propose a credit management system by the B/S framework andadvanced computer technology. The management system is divided into three tiers:representation, logic, and data by J2EE techniques. We use JAVA technique toimplement the three tiers, and realize the new breakthrough of technology andmanagement. It implements the seamless connection between the plane design and thedatabase of Microsoft SQL Server2008.This system plays an important role for thedevelopment of credit business in rural credit cooperatives. This paper is composed ofsix parts: introduction, technology analysis, demand analysis, system design, systemimplementation and inclusion. Firstly, this paper introduced the technology, demandanalysis, the development principles, and the feasibility. In addition, it analyzed thebusiness process and data flow by aiming at the current work of the rural creditcooperatives. Secondly, on the basis of demand analysis，this paper designed fouraspects of the credit management system. It contains technical architecture design, theoverall architecture design, function design, and database design. Thirdly, on the onehand, this paper introduced the realization of the interconnection communication andinteroperability network application among rural credit cooperatives. On the other hand, it realized the main function of the system. Finally, we tested the function of thesystem.All in all, credit cooperatives credit management system is the science andtechnology department and business department with highly successful technologicalachievements. It realizes the electronic business credit management, science andtechnology. It is advantageous to the rural credit cooperativ es in the development ofbusiness scale and quality.