Design And Implementation Of Commercial Bank Credit Risk Information Processing System

Ability of commercial bank credit risk management is one of the core competence of the survival and development of banks, the bank’s development is based on the ability of management. Only by strengthening the ability of credit risk management in commercial banks, the bank to establish the credit risk management system of comprehensive, so as to maintain strong competitiveness and inexhaustible source of power in the international financial market.Now, with the further strengthening of China’s comprehensive national strength, China’s banking industry has cult a striking figure international financial market, but we have to realize, the creditrisk management system of our country is not perfect, can say is still at the primary stage. Rising over development period of economic prosperity in the banking industry in the face of economic downturn can not effectively suppress bad assets,it brings great hidden danger for the domestic financial system. So the wholebanking especially commercial bank credit risk management system has become akey, lack of credit risk management system not only affects China’s commercial banking industry advantage to improve, will also make the government spending huge amounts of money to make up, also can bring a destabilising impact on the financial system. Design and implementation of this thesis mainly research on the credit risk management system of a commercial bank.In this thesis, the credit risk management system of a commercial bank as an example, based on the analysis of the credit risk management process of commercial bank organizational structure and credit role definition, main function modules of the system are designed, and implemented using Struts framework, primarily focused on the customer information management, three aspects of business information management and risk management,the theory research and system development. Using the technology of EJB and other J2 EE technology,developed a set of credit risk management information system, this system relative to other systems more reliable, but also has a strong retractility.In order to raise the level of credit risk management of the system, the object we focus on credit service bank customer as the center, a series of information about customers, to analyze the credit needs of customers, to meet customer demand, on the basis of bank credit business innovation, establishing the integrated management system, strengthen weak links neglected the previous system, meet the supervisory requirements.