The Design Ofcredit Management System Of Pingyu Credit Cooperative For Corporate Customers

As bad loans of banks have great impact on profits, banks always trying to carefully manage clients’ credit risk. As the primary tool controlling bank credit risk, credit risk management system can bring a higher return to the bank. Serious shortage of risk awareness and sense of responsibility is the biggest risk in the banking ubiquitous. In view of such circumstances, domestic and foreign commercial banks are continuing to train and establish a sound credit management concepts and systems, and treat this work as the focus of the bank information system.In this paper, the system implemented is carefully examined, and the general needs of credit risk management in the domestic commercial bank is fully analyzed. Based on the new accounting standard, a credit risk management system(CRMS) of domestically high level has been built.The main modules of the system consist of: the interfacing modules, customer management module, the loan approval modules and after loan approval modules.B/S mode on J2 EE platform is the main developing method of the system. Since the adoption of SOA thinking to business components, the entire system also adopt a much simpler framework.The development of credit risk management system for Bank of Pingyu Credit Unions successfully promoted the bank’s management on credit business information.