Design And Implementation Of Fuzhou Postal Bank Credit Management System

Our country started the credit system development of commercial banks in the 80’s of the last century, operate only credit system development for customers basic application and business information management system, many customers or manual operation, so it can not be very good to carry out and supervise the credit business. In view of the above problems, customer credit information sharing how better, better and more efficient provision of loan, what measures can be taken to reduce credit risk, and eventually realize the enhancement of the security of credit assets, these are troubled by the banking industry for many years the problem. Therefore, the commercial bank needs to establish an efficient and powerful management system of credit risk for commercial bank credit operations provide information integration and business management, business analysis, provide service-- Deconstruction of bank credit risk management system platform provides intuitive, three-dimensional for the credit business of commercial banks.Aiming at the risk of fresh status quo Xiamen Branch of China CITIC Bank credit management, the use of B/S architecture and.NET technologies designed Xiamen Branch of China CITIC Bank credit risk management system to address the current credit risk assessment irrational status quo. The main contents are as follows:1.Design of the credit risk assessment model. Logistic regression model, combined with the status quo of China CITIC Bank credit Xiamen Branch, credit risk assessment model was designed in line with the credit management.2.The proposed Xiamen Branch of China CITIC Bank for credit risk management business processes. The credit risk business in accordance with the application submission, assessment, review, approval, distribution and post-loan management decomposition, forming a strict credit risk management business processes.3.The system uses a bottom-up three-tier architecture, is divided into the data layer, presentation layer and application layer. On the basis of the three-tier architecture based on the completion of the functional design and interface design credit risk management system.4.Using the.NET platform and SQL SERVER 2008 to achieve a credit risk management system. After the system to realize the system was tested.Through trial operation and system testing of the system, the results show that: the system of credit risk management of Xiamen branch of China CITIC Bank achieves the goal of design, and completes the development of function module in the system demand analysis, the results correctly, can satisfy the CITIC Bank Xiamen branch of the credit risk management requirements, is conducive to improving the bank staff’s efficiency.