The Design And Implementation Of Retail Financing Image Files Management System

In contemporary time, the increasingly intense competition leads the banking sector into one new stage, which is to focus on the customer need, conduct based on the development of the market. Therefore, in terms of the commercial bank itself, if it could make full use of the advanced information technology and software engineering, with forecasting the changing of consumer’s behaviors, the bank would improve its ability to find out the potential value from information database of the customer and then increase the quality of banking service. With the proliferation of the Internet, the bank could have the chance to organize and share the essential customer information to all departments, so that the risk can be managed under the satisfactory level. One of the imperative aspects is the retail credit image system, which can be defined as putting the electronic documents, photos, pictures into the specific kinds.In this paper, the author will identify and analyze one retail credit image system. In terms of the retail credit image system, it can be defined as the system which scans the paper materials of customer’s information and banking contracts into electronic materials, so that these materials can be stored and share easily by the network. From the banking staff’s perspectives, they have the access to check this information conveniently in order to manage the banking credit risk. The final objective of this system is to build the whole customer information database, which is effective and efficient for the bank to understand and manage the risk of loans in the future.More specifically, the paper decides the structure of applied software, and then set up various retail credit image subsystems specifically for the banking. In addition, the domestic and international research background about the system will be described, so that the reader could have a brief overview of the relevant researches currently. Moreover, the relevant theoretical concepts will be listed, in order to provide the clear structure of knowledge. Three examples on the real companies will be described to show the importance of retail credit image system. After designing the whole details of system, the system will be tested in order to find out whether there are some weaknesses need overcoming.