The Design And Implementation Of Beijing Rural Commercial Bank Credit Management System

In recent years, with the rapid development of the financial industry, banks also actively promoting their own business to handle ability to get the advantage in the market competition, the better for the financial services industry, Beijing Rural Commercial Bank is a young bank, is the youngest of the shortcomings, for which no corresponding customer accumulation, the accumulation of experience; but is also its advantages, because they are completely free of the traditional imprisonment can create a new business model. For any one bank, credit business are the most basic business, occupy more than 70% of the income is completed by the credit, so credit management system is also a bank’s core system, Beijing Rural Commercial Bank in the full investigation of their customer scope, and to the bank’s own credit business to sort out, in accordance with their own planning construction of the Beijing Rural Commercial Bank’s own credit management system.Beijing Rural Commercial Bank credit management system in architecture design process, choose the mode of B/s construction, using the J2EE design and development, because the system save the bank customer information on all types of assets, and the bank asset information, because this system in the process of architecture design must be fully considering the security and confidentiality of the system, in the choice of the database, the choice of the industry recognized safety, high stability of the Oracle database, application server also chose Oracle Weblogic, in load balancing equipment selection, the use of the bank usually F5.Beijing Rural Commercial Bank credit management system is divided into four core function module, respectively for customer information management, credit management, credit information management, and post loan management. The customer information management is mainly on the credit business for corporate customers and individual customers for information management, rating management; credit management process is of credit business is in the process of contract management, loan management, interest management, credit information management is to the credit business management in the process of contract management, risk management and other kinds of information management; post loan management is the handling of the credit business, the monitoring of the use of loans, visits, track and manage the. To cooperate with each other through between the four modules can be realized on Beijing Rural Commercial Bank credit and credit business of scientific management, improve business process efficiency, bank customers to provide better service.In the course of the construction of the Beijing Rural Commercial Bank credit management system. Not only achieve bank existing business, also taking into account when Beijing Rural Commercial Bank credit business at the time of the change, the system can be more flexible to deal with. Therefore, it is necessary in the business process, performance and fully considering the system scalability, so as to build a available, easy to use, can use the system.