MVC-based Small Enterprises Credit Management System

Currently, the banking industry is in the era of fierce competition of the market economy, the banks need to rely on computer and network technology, customer-centric, and able to respond to market changes in a timely manner, and actively respond quickly and effectively. Comprehensive development of small enterprises credit business, the banks need to adjust the credit structure, the implementation of the strategic transformation initiatives, which also complies with the guidelines require the efforts of the regulatory authorities in this regard.Many foreign countries have also begun to attach importance of financial support for small enterprises, such as the substantial increase in the proportion of loans to small enterprises by banks in France, to increase the financial institutions to guarantee loans to small enterprises; Indonesia to improve the commercial bank credit lines to small enterprises; the bank of Russia on January 1, 2014 will triple the total lending to small enterprises, to reach 3.6 trillion rubles; direct the U.S. Small Enterprises Administration loans or guarantee loans up to 25 years, and working capital loans for seven years; issued by the Government of India Act of delayed payment interest of small and medium-sized enterprises and subsidiary enterprises. Since 2008 in China, more and more banks have been set up in the center of the small enterprises.CITIC Bank attaches great importance to the development of the small enterprises credit business represented by the field of financial services for small enterprises, small enterprises set up a special center, and build a sound credit management system for small enterprises has also become a top priority. Electronic management of my line of small enterprises credit business or blank, if you go past paper credit approval process, procedures are complex, long approval cycle, does not meet the small enterprises credit business large variety of business loan demand aging strong, flexible business, small enterprises center, an urgent need for a complete set of small enterprises credit business management of electronic systems.This thesis describes the main functions of the system to be implemented; introduced the system to achieve the objectives, structure and functional modules; introduce the main business processes of the system, the interface between the layers of the system analysis, finalize the technology and methods.This thesis based on Spring, Struts, Hibernate and other major technology framework, realized the "small enterprises management system", from creating customer applications to credit applying, loan approving, after-loan management and financial report, the system can basically meet the needs of small enterprises credit business requirements. The system uses service-oriented architecture design, provides a good human experience, has the standardization of processes and rules-driven, and the power to run stably and reliably at the same time.The banks credit management system using the framework model based on Struts and Hibernate, with high reliability, high security, flexible module combination, friendly interface, easy operation, portability, easy-to late maintenance, across operating systems, etc.. Realized the electronic management of the credit regulations and process requirements, the process is transparent, any operation and results of the query and statistics to create a new mode of credit, improve loan quality, reduce risk, and significantly improves the production efficiency.