The Design And Implementation Of Commercial Bank Network Loan System

With the continuous acceleration of global economic integration and the increasingly fierce competition of financial markets, commercial banks are facing with unprecedented challenges and opportunities in the development of operation scale and the related categories of credit business. The existences of banks are based on financial benefits. However, good financial benefits are largely created through bank credits. The daily operation of bank credit is closely related to the bank credit management system. The level of credit management determines the final economic benefits of the bank. With the rapid development of commercial banks, bank credit business has been continuously enriched and the regulatory requirements in the domestic market have become increasingly strict. The traditional bank credit management system, built up by the traditional C / S structure, is faced with a lot of potential problems which make the system be unable to meet the needs of the development of commercial banks. For example, the designs of database architecture are different, the software and hardware platforms are different, the overall efficiency of systems is not high, and the operation, synchronization and maintainability of data are rather low.On the basis of the researches concerning the Struts framework, Hibernate technology, J2 EE architecture, and HACMP, this thesis carries out a comprehensive investigation on the issue of actual network loan and tries to optimize apply and approval processes of credits as much as possible. Based on the contemporary researches of the software platform framework, this thesis uses the lightweight open source component such as Struts, Hibernate and Websphere. According to the practical application of J2 EE architecture and the technical methods of realizing the system, this thesis designs the software structure and the relevant function modules of network loan system.This thesis adopts the structure of B / S three level design patterns. This new system redesigns the underlying credit business processes through oriented object method and database centralization strategy, so as to optimize the commercial bank credit management system, strengthen credit management method, and make the network system of the loan become a platform which is advanced and can be easy to be managed.