Design And Implementation Of Bank Credit Management System Based On The Cash Flow Index

Due to the rapid economic development and deepening of financial reform, competitionin the financial sector has become increasingly fierce, the banking industry is noexception． In order to obtain the recognition and favor of customers, All companies areimproving service quality and product awareness through a variety of means. Banks have tofollow the trend and promote the continuous development of information technology as animportant role in the financial industry. The information of banks is undoubtedly a hugeproject. Previous banking business is a single account management, improve bankinginformation system is imminent with the gradual diversification of business and expandingcustomer business requirements. Business development bank of credit is one of the inevitablecompetition of banks. Business development bank of credit is one of the inevitablecompetition of banks. More and more types of credit products and more complex structureand business, we must take advantage of information technology to achieve the scientificmanagement of bank credit for management and decision-making of the bank and reducecredit risk.In this paper, for bank to achieve customer management and information technology ofcredit services, improve employee productivity, support management decision-making, reduceadministrative costs, promote business development and reduce credit risk, which is designedand implemented the bank credit management system combined with practical applicationafter studying the overall needs of the bank credit management system and analyzing theoverall system function module. Cash flow is the main reference index as companiesrepayment, greatly reducing the credit risk rating. Therefore, the cash flow is a necessarysafeguard as business continuity formal development and the main source of repayment of theloan. Banks must pay more attention to the continued long-term development of theenterprise.Banks are most concerned thing is possible to avoid the credit risk and do big business,small business can not be discarded for credit management business. In recent years, Thevarious small and micro enterprises and especially the newly established entrepreneurial technology companies are rapidly developing. Banks must recognize the importance of thedevelopment of such enterprises for the banks. So as to improve the effectiveness of the bank,to explore the potential value of the customer, so that banks invincible. At present, the mostimportant is that there is no complete scientific quantification of economic indicators to assessthe liabilities, debts and the risk of such enterprises. Paper proposes a new method to evaluatethe entropy method to solve this problem. Paper determines the overall architecture andimplementation techniques of the credit management system from requirements analysis，overall design and database design of the system． Bank Credit Management system uses B/S structure and JSP technology by MyEclipse programming tool.Paper discusses the research of background and significance of the subject and describesthe present situation of the development of the credit management system. This articleanalyzes the various functional modules contained in the system and their functions realized.System design and development of the system user management module, customerinformation management module, lending business management module, loan interestmanagement module, loan management module, and then the system is tested. Finally, it is asummary and outlook.Realization of bank credit management system improves the quality of loans, increasesinformation sharing. Scientific management is important for enhancing the comprehensivemanagement, service and product quality of the bank.