Design And Implementation Of Personal Credit System For Bank Based On J2EE

Credit business is an important business in the bank. One of the important profit sources of the bank is credit business, and the quality of the credit business also affects the quality of the bank’s asset structure. The Performance of Credit business has an important impact on the bank’s operating. It is the focus extension and develop in bank.The basic reason is that it can improve the quality and efficiency of the credit business.With the continuous development of bank business, the work flow and the actual credit management work have undergone some changes, the traditional work methods can not adapt to the needs of today’s banking credit business, it is urgent to develop a credit management system which is suitable for the banking business.The design of this paper is an personal credit system for postal savings bank of China. At present, It constantly enriches the variety of business, expands marketing channels and improves service functions. According to the business needs of China Post personal credit, it is need to develop the personal credit system of China Post. The purpose is to meet the needs of the bank’s credit business.In this paper, the analysis and design process of the system is carried out from the following aspects:1. This paper studies the background and significance of bank’s credit business.Current situation of domestic and foreign are studied.2. This paper chooses the relevant technology of the system development,according to the demand of China Post personal credit business needs, the module is divided, and the function of the eleven modules of the system are analyzed. The system uses J2 EE structure and B/S framework, the database is Oracle, the framework of the system is designed, They are database and business processes.3. After the implement of system design. It is the concrete realization of the system, this paper mainly realizes the customer management, quota management, loan management, for each module it achieves the main part are introduced, the key functions of the four modules were tested. Through the test, the system has been officially put into use in the China postal savings bank.This system improves existing office level and quality is through network technology. It relies on advanced modern network communication technology. The information resources are shared through computer. The users can uses meeting management, document management, schedule management, communication record management. The system can time-saving, convenient and quick. It makes a lot ofdepartments to work together and greatly improve the working efficiency, reduce the cost of manpower and material resources, so as to realize the scientific and standardized management of the school.The use of the system in bank will improve the credit business process standardization and information. The credit management system can provide a unified management platform. The credit management, customer credit and credit service personnel are able to use this platform to interact and implementation office automation.The personal credit management system can effectively improve the bank’s credit quality and level of management. It also improves the competitiveness of bank credit business. With this system, banks can provide convenient and fast service for customers,and it improves customer satisfaction of bank credit business.