Design And Implementation Of The Non-performing Loans Ledger Management System Of The Rural Credit Cooperatives Based On The Data Mining Technology

Based on the aim of serving the rural economy, Rural Credit Union has alwayseffectively supported the local rural economic development, together with the rapiddevelopment of its own. But because of the effect from inside and outside, balanceand ratio of non-performing loans in some Rural Credit Unions have remainedstubbornly high. It becomes the biggest obstacle of forming CRCB, which is bad forachieving the goal of stable and sound development. And it also weakens Rural CreditUnion’s function of boosting the county economy. Therefore, during the Rural CreditUnion’s process of reforming and development, it is an important project to find outhow to enhance the management of the non-performing loans and solve the non-performing loans problem with the help of science and technology.In recent years, due to the lack of accountability mechanism for the responsibleperson, the management of the loans released in Rural Credit Unions in Hunan isloose after the responsible person transfers. So a large amount of preventablenon-performing loans appear, and the clearing of the loans in which the loans losingthe limitation of action constitute a high proportion is stagnant. Therefore, it isespecially urgent to create a set of appropriate and efficient analysis-managementsystem of the non-performing loans according to the situation of Rural Credit Unionsin Hunan. It is also the necessary demand to improve the brand image of Rural CreditUnions in Hunan, deal with the competition pressure and speed up the reform pace.Based on the statistics of the non-performing loans in Rural Credit Unions inHunan and with the origin of Rural Credit Unions at grass-roots level, according tothe characteristics of Rural Credit Unions in Hunan, this thesis builds a set of thereport system for analyzing the cause of non-performing loans, presenting the currentsituation of non-performing loans and fixing the response of non-performing loans.By use of numerical example statements of the system, this thesis carries outmultivariate statistical analysis and develops a set of ledger management system toanalyze and punish non-performing loans for Rural Credit Unions in Hunan. Thissystem can not only bring more convenience for the non-performing loans executivesin Rural Credit Unions in the process of actual use, but also it can realize thecustomer segmentation, the management of responsible person, the analysis of thecauses, the management of the action to non-performing loans and the analysis, count and management of the statistics of non-performing loans. With the help of the system,the non-performing loans management and clearing ability of Rural Credit Unions inHunan can be constantly reinforced.Firstly, this thesis introduces the credit conditions, the technology of datawarehouse and data mining and DataStage. Secondly, according to the demand of thenon-performing loans management, combined the techniques of data mining, thisthesis uses technology architecture B/S and designs the frame and procedure ofnon-performing loans ledger management system. Then the ETL, the system moduleand the data base are designed detailed. Finally, with the system design, the thesisbuilds the Data extraction model and explores the comprehensive realizing of thesystem.