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

With the deepening of China’s financial reform, the credit business of bank has been expanding, and the structure is also changing, which increase the difficulty of the bank’s credit management. Credit business as one of the main businesses of the bank is an important way to take profits and an important part of commercial banks for electronic construction. Bank credit business management is an important part of the operation and management of rural commercial banks, which is related to the quality of the rural commercial banks. From the perspective of the development of banks, it has an important impact on the development of bank credit scale. Combined with the current advanced computer information technology, this paper develops a credit management system with stable, practical, easy operation and maintenance.This paper analyzes the research status of bank credit management system. And the research work includes the following content.Firstly, through the study of A rural commercial bank credit management system functional requirements, this paper elaborates the characteristics of credit management system, then it determines the implementation of bank credit management system. It through a series of cases and the flow diagram to discuss the main function module of credit system, which mainly includes customer information management module, the loan business management module, the loan interest risk management module, system management module, system management and system function data flow.Secondly, this paper determines the overall design goals and principles of the credit system, and it elaborates the business credit management system module, which includes the customer credit rating and credit evaluation. According to the customer’s credit level of high and low, it designs different credit approval authority operation, which is the innovation in this paper.Thirdly, this paper designs credit management system main module to combine with the practical application, which includes customer information management module design, the loan business management module design, design of interest on the loan management module, system management module design, the system risk management module design, data management module, database design, system security design and so on, and it uses the flow chart to describe them.Fourthly, main function of the credit system design passes the system implementation and detailed test, and the system function module uses the interface effect to display.Finally, in this paper summarizes the A rural commercial bank credit management system, and it put forward the implementation of credit system.