Design And Implementation Of Bank Credit Management System

Current commercial banks have been continuously developing its business varieties. Among these varieties, credit management has contributed significantly to bank revenue. Moreover, credit management is also considered as core business in overall bank management. The continuous development of the domestic economy and the restructuring of state-owned enterprises promote the development of various bank restructuring credit management businesses. There are several aspects in credit managements need to be taken in account: Firstly, how to regulate current credit management in order to promote business management and customer information maintenance in an efficient manner; Secondly, how to enhance the performance of credit loans while avoiding much risk accompanied by credit loans; Thirdly, how to raise the performance level of the credit management and the prediction for developing trend in the fields. Currently, many commercial banks consider better solutions to these three problems mentioned above as their futures.In this paper, based on practical problems from commercial bank credit management, we combine MVC design pattern, unified modeling language and object-oriented technology, to provide a feasible solution for credit management. This paper mainly covers five areas:(1) summarize research value on credit management and determine the direction of the research;(2) combine functional requirements of credit management, credit operations carried out to establish the main functional requirements model;(3) establish credit management system on the overall function of the model, customer information management, customer approval credit management, loan management, credit risk management and loan management and other major functions of the detailed design, the establishment of appropriate business models;(4) by means of MVC framework and J2 EE technologies to achieve bank credit management system, improve the availability and modular systems;(5) combined with the specific implementation of the system, the establishment of the main functions to achieve the effect of the test model, the validation and summarizes the system characteristics.This credit management system has been on good trail in internal test run, with easy maneuverability, can effectively regulate the credit management business processes. By implementing the system, not only can make credit business management more standardized, but also helps to improve the efficiency of credit management, while credit risk effective supervision, and promote the healthy development of credit business.