The Design And Implementation Of Rural Commercial Bank Credit Risk Management System Based On JAVA EE Technology

The credit risk of the banking sector is a subject that can never be avoided in the course of business operation. As a result, how to strengthen awareness of credit risk, recognize and prevent credit risk to the greatest extent becomes an urgent issue to be solved by financial institutions. As information techn ology keeps advancing, the establishment of a high level of bank credit risk management system featuring advanced computer network technology has become the most effective solution to this problem. By using this system, the credit business and credit risk of financial institutions can be fully regulated, which helps financial institutions to quickly develop new credit products, thus reducing credit risk.On the basis of in-depth analysis of credit risk management of one rural commercial bank, this paper establishes a management system. The author firstly analyzes the management demand and the operation process of bank credit business; Secondly, by using software engineer thinking, he starts from the architecture of the system model, then to the design of each functional module and database in the system, ultimately proposes a comprehensive solution to this rural commercial bank credit risk management system.In the design, the paper introduces JAVA and JAVA EE framework to structure the platform framework of credit management system, and applies the workflow technology in credit procedure managing and process reengineering. Such efforts are made to optimize and reduce previous business processes. Resolving around the actual business procedures of one bank, this article makes a comprehensive design and implementation for the five main business processes of credit: customer rating, loan approval, loan distribution, post-lending management, and asset preservation.Centering on bank credit risk control, this syste m is able to achieve bank credit operation management, statistical reporting, decision support, risk prevention and other business functions, providing local commercial banks an effective tool to achieve credit risk control and management. The actual usage of the system in production realizes the credit risk management in this rural commercial bank, which greatly improves work efficiency, thus bringing good economic returns and social benefits.