The Design And Implementation Of Collateral Management System For The Construction Bank Shandong Branch

The Shandong branch of the China Construction Bank’s collateral management system is developed by improving imperfect place in the existing system. The original collateral management system exists irrationality of process in collateral assessment, and is not perfect in processing collateral related warrants information, and also has serious flaws in logic in the process design of the warrants storage and delivery, and is not in place for collateral risk warning and other kind of questions, which lead to the examination and approval authority and responsibilities are not clear between various positions and between various departments within the Shandong branch of the China Construction Bank and mutual prevarication phenomenon also occurred. In order to solve the various shortcomings and defects in collateral management of the Shandong branch of China Construction Bank, at the same time to better adapt to China Construction Bank’s collateral management system dealing with the capacity of the test in the current economic development, the Shandong branch of China Construction Bank has an urgent need to improve the existing collateral management system.In the process of improving the system, system uses Web technology development model to design in the development model. In the network structure, system uses B/S mode to design, which is easy to develop, strong sharing, easy to maintain and as long as the change in the server side, it can achieve business expansion. At the same time, the system uses Java language to design. The system adopts Hibernate, Struts, Spring framework, and MVC design concept, showing and separating business logic, data and interface of the entire system. In addition, the system uses the 11g Oracle database based on the relational to determine the logical relationship between the database tables of different business functions, and realizes the design of system data structure after detailed analysis.The function module of collateral management system in the Shandong branch of the China Construction Bank includes basic maintenance, the evaluation management, the warrant management and accessory contract change four business functions. The basic maintenance module includes four functional modules, which are collateral setting, risk warning, external evaluation mechanism parameter maintenance and authority maintenance. The evaluation management function module includes four business functions, which are external evaluation, internal evaluation, direct evaluation and pre evaluation. The warrant management is mainly divided into four functional modules, which are storage management, outbound management, collateral warrant registration book, storage and delivery notice inquiry. The accessory contract change module mainly includes four functional modules, which are collateral change, collateral rate setting change, accessory contract modification and the associate collateral.The design and implementation of collateral management system in the Shandong branch of the China Construction Bank is improved and perfected problems such as warrants information being not comprehensive, assessment process being unreasonable, and the risk is not in place and other aspects, making the process of the Shandong branch of the public credit business more clear and complete, and also making responsibilities more clearly between various positions and between various departments within the Shandong branch, facilitating the more effective collateral management in Construction Bank.