The Design And Implementation Of Legal Customer Credit Asset Classification Management System

Classification of credit assets is mainly by bank which uses credit assets to divide the degree of risk, the classifications of credit assets can convenient judgment debtor timely return of the loan amount of possibilities. Now in China’s big Banks are generally take credit assets according to the traditional classification method to classification, which includes five types of information such as classification of including normal, attention, subprime, suspicious and losses etc. The traditional classification method is simpler, and there are many loopholes, which will not be able to correct to do the reasonable classification of credit assets. Shandong rural credit cooperative exists more problems needing to be solved. So Shandong province rural credit cooperatives in the classification of credit assets should be more specific.On system design mainly by the Java development language, which can more effectively make the system run in a variety of environment and when the test is more convenient, in the framework of system is adopted to now more popular SSH (Struts+ Spring+Hibernate) framework, the front desk page design is to use JSP to processing, in the aspect of database is to use the MySQL enterprise edition, the database is open source, and the operation is simple. And using the method made in the development process saves a lot of time.On the design of the system’s main features are department management, my job, customer evaluation management, debt management, rights management and classification management, and other six function modules. In the system of department management, mainly showing all the work and then submitted to the department for processing. I work all is according to submit to the personal business, and then processed by the individual. Customer evaluation is information input, modify, delete, and query operations. Debts evaluation is of debts information processing. Rights management is to assign permissions users or institutions. Classification management is to classify assets.Because of this system on the assets classification points divides into twelve parts, so in terms of classification compared to that of previous classification model expanded a lot. And also trying to become more specification on the classification process is the system in the actual operation is in accordance with customer demand, to the design of the interface is more human, in order to make the system more reasonable, and involved in this system the customer evaluation and the evaluation of debts. Through the above classification method can reduce the risk brought by the lack of credit classification, reducing the risk of the customer can not timely repayment. And to allow banks to have a healthy operating environment. Make bank in terms of the credit to the favorable direction, and improve the bank returns in terms of the credit.