Design And Implementation Of X Bank Personal Creditmanagement Information System

Between domestic banks, foreign banks and domestic competition between banks with the rapid development of the global economy has shown a trend of increasingly fierce, Internet application technology and computer application technology and scientific management of commercial banks have become an important means to participate and compete. In recent years, the rapid development of the personal loan business of X bank, has become an important financial products. Characteristics of personal loans to its turnover speed, low rate of bad loans, extensive social impact, the adjustment, optimization of X overall bank credit assets structure, improve the quality of credit assets, set up the X banking service brand, play an increasingly important role. In order to adapt to the fierce market competition and business development as well as X bank loan business integration, fine management requirements, realize the centralized management and unified business data processing, a new generation of personal credit management information system planning and R & d be imperative.Based on the X bank personal customer credit management needs further development and analysis, combined with individual customers on the line generation credit management information systems as well as domestic, foreign-related personal status of customer credit management information system design and technology development trend, developed Development the system design and key technologies. "Personal customer credit management information system" design is based on the dataset technology platform, using WEB technology, relying on the internal network X banks for system design and development.The system has a personnel management, credit counseling, application processing, customer rating management, loan approval, the basic functions of loan management, loan management, a comprehensive analysis of the query, report management, data query, file management, etc.; adopt business practices and business operations between production and management systems for data sharing model, and separate loan approval, the principle of effective prevention and control risk, the role of the user authorization and hard to control the system of privileges, and in accordance with business management and accounting processes designed to reduce the functional modules switching frequency, improve work efficiency, levels of institutional business development, business transformation, risk management and provide a platform for intelligent support. The system is designed and developed with Microsoft.Net FrarneWork2.0 as architecture platform to centralize database, browser / server application platform based on the transformation of Oracle8 i, DB2 8, SQL Server2000 and other major databases are supported.A new generation of personal credit management information system will improve the individual credit information level of X bank, to adapt to the needs of fierce market competition and business development, further improve the management level of bank X, improve the efficiency of management, optimization of system resources, and promote the healthy development of the personal loan business, solve in the actual operation of X bank branches in urgent need of the personal loan application, approval, management after loan and loan quality monitoring into the system of unified management problems.