The Design And Implementation Of The Retail Credit Management System Of Shanghai Pudong Development Bank

The retail credit business is the focus for commercial banks’ development and the main source of the profit growth. Along with the changes of regulatory, economic, social environment, the retail credit business shows some new trends and characteristics, such as the diversity and comprehensiveness of retail financial products, the large scale and integration of business processing, the automation and networking of service channel, the meticulousness and high quality of customer service, and the humanization and functionalization of the network design. According to the twelfth five-year plan of Pudong Development Bank, the retail credit business will be considered as an important strategic direction of the bank. It will be developed around product innovation, channel development, risk management, and process reengineering. Therefore, it is urgent to develop a retail credit management system which suits for the bank itself.Through the analysis of the retail credit business of Shanghai Pudong Development Bank, and combining with the analysis of the characteristics and technology development status of domestic and foreign retail credit management information system, this thesis identified the key technologies of system development, designed the main function module of the system as well as the system structure, and completed the whole process of retail credit management system from the requirements analysis stage to test stage. During the system design and implement stage, J2 EE and DBMS were used to develop the system. The whole system is based on B/S model, which has good scalability, flexibility and maintainability.Through the implementation of the retail credit management system, the information infrastructure of Shanghai Pudong Development Bank is improved, which promotes the standardization of credit business operations, increases the operational efficiency of credit business. The most important thing is that it promotes the completeness of the credit management policy, thus the credit management level also being increased to prevent and control credit risk. The system also lays the foundation for the further development of the retail credit business.