The Design And Implementation Of Credit Risk Management Of Huzhou Bank Based On JAVAEE Architecture

The fierce competition in the banking for Hu Zhou Bank is facing unprecedented pressure. The ability of risk management, especially credit risk management ability becomes an inevitable demand. The use of information means to strengthen credit risk management ability has become one of the most use of the present measures. Hu Zhou Bank decides to develop the credit risk management system.In order to ensure that the system meets the actual demand of credit risk management Hu Zhou Bank, the actual research contents of credit risk management are investigated, the software is developed combined with the specific needs. In the analysis process, the role permissions management mode is introduced, the four roles, including customer manager, branch / branch / office management, credit related business review, management personnel are set up. The design and implementation of the credit risk management system using Java EE architecture and JSP technology, based on the Web technology. The separation of users, service and data are realized, the credit data security is ensured, and the credit risk management system has a certain extensibility and operability. Many functions of the system are realized, including customer information management, customer management, credit rating, credit lines business review, lending management, post loan management, statistical statements, and system management.The system has been put into use for nearly 8 months in Hu Zhou Bank; the feedback of system is generally good during this period of time. It can meet the practical risk management of Hu Zhou Bank credit business, effectively improve the quality of credit risk management, strengthen the banking risk management system construction, complete the information management of credit business management and risk control, strengthen the banking risk control.