On The Design And Implementation Of The Credit Management System For XX Rural Commercial Bank

With rapid change and development of credit business, higher requirements for credit management processing efficiency have been raised by XX Rural Commercial Bank that is achieving continuous development in loan business and improved service levels. To strengthen credit business management, realize credit management informatization, and convert credit rules, regulations, and requirements into an information management system, it is necessary to establish a credit management system that integrates the credit product definition, customer information, credit granting approval, loan management, statement output, and filing management so as to further strengthen the bank’s capability in credit risk management and control.An oracle-based backend database is used to carry out system function development; the XML technique is employed to realize the integration of the system with other business subsystems; and the whole system is constructed based on the three-layer B/S structure in to guarantee the good usability, safety, reliability, and maintainability. This thesis firstly makes detailed description of the design and implementation methods for XX Rural Commercial Bank, including relevant theoretical knowledge on credit management system development and application; in the following, the business requirements of XX Rural Commercial Bank credit management system is analyzed followed by the detailed description of the system’s general design scheme, including system logical structure design, functional structure design, database design, and network topological design, etc. Lastly, the system test and implementation process is described in detail.By organically integrating credit requirements and restructuring business procedures, XX Rural Commercial Bank has constructed a bank-wide credit business and product base that covers the management of all business patterns. It has significantly improved the bank-wide credit business management level and its capability in risk management and control with great significance in further strengthening the bank’s internal management and improving asset quality. This system conforms to the requirements of credit business process system and follows the operation and management ideology that the loan transaction is uniformly marketed by the frontend and centrally managed by the backend. Unified operation of loan transaction and whole-process control of business procedure have been achieved. Data accuracy and promptness have greatly improved through centralized management of bank data, satisfying the demands of bank-wide customer information sharing, and improving the bank’s capability of preventing credit risk.