The Design And Implementation Of Management Information System Of Hangzhou Bank Charges

Banks in the loan business, the borrower needs the option value of mortgage debt, as collateral assets as collateral. These types of collateral more diversity, according to the provisions of China’s "property law", a total of seven kinds of property as collateral, and the seven categories can be subdivided to many small categories, as well as most of the real estate can be used as collateral. But for the banks, the profitability of the main business is in the bank loans, so the number of years, the number of needed goods management mortgage becomes relatively large, many kinds of. Coupled with the collateral management, relates to the relevant personnel of various departments collaboration and the sharing of resources, and the management oversight, is likely to cause the situation may lead to serious loss of ownership certificate of loss. The development of manual collateral management has lagged far behind the other bank business, in view of the current security management of the situation, to the modern information society, the collateral risk control management system, developed a computer to collateral management, for banks with the traditional management methods can not match. To build a complete, effective combination of both and bank credit business, and in the service of the collateral management platform for the bank’s overall risk management, in order to give full play to the collateral as the second source of repayment risk mitigation effect. For the commercial banks to improve business management level, enhance risk control ability, plays a more and more important role to improve the accuracy of decision-making.This paper follows the advanced idea of modern software engineering, by adopting the idea of object oriented analysis and system development. Based on the existing commercial bank collateral management informationization construction recognition, combined with the actual needs of the credit business of commercial banks, risk management, put forward the new demand management, and a detailed analysis of the business needs. On the basis of demand analysis, it establishes the system realization goal and technical structure, the function module division system.In the system design process, through the needs analysis, system design, system detailed design, and program development. In the program, the application of the system of MVC model as the mainstream of software design pattern to design software, and data to be stored permanently and effective and safe management of the use of Oracle database. In the system realization, and analyzes several rounds of testing, to ensure the program is practical.In the investigation and study in detail the collateral management in our bank and bank collateral management present situation, in view of the actual work of collateral management situation in our country, carries on the detailed design to the bank collateral risk control management system, this system is mainly to complete the mortgage banking risk management system of information management, evaluation management, file management, contract risk management, query and statistics, executive home, working platform, system maintenance of the nine function module design. The system realizes the effective management of information and the maintenance of the value of the collateral, and the unified and efficient verification, so as to improve the administrator’s work efficiency. After the completion of the system greatly simplifies the collateral risk related personnel management operation, so that they can complete their respective tasks and achieve the collaborative work between each other, so that their duties and the sharing of resources, greatly saving bank of manpower and financial resources, to reduce the bank management and operation cost, improve the bank’s overall work efficiency, has brought new vitality to the development of bank.