Design And Implementation Of Commercial Bank Credit Management System

Banks are business risk department, with this commercial bank lending continues to develop and improve services and therefore, how to better operational risks, in such a competitive market environment, understand and grasp the credit needs of our customers and become the Bank major problems faced. In order to strengthen the management of credit operations, information processing loan management, regulations and requirements of the loan is converted to electronic management system, the need to establish credit business management information platform, the credit business of customer credit rating, loan investigation before accepting, approval, loan origination, loan management, records management, and other functions to integrate, while enhancing the customer credit loan risk assessment and early warning feature set. In addition, the single management of the commercial bank account bank’s business is gradually being transformed from the original in accordance with customer demand for diversity, fine business approach.In this paper, commercial bank credit management information, e into the background,from the credit business management practices, detailed functional objective, based on J2 EE architecture, this paper studies the SSH framework, namely, Spring, Struts and Hibernate.Then this paper analyzes the business needs of commercial bank credit management system for the approval process and accounting aspects of daily work, such as loans for a detailed exposition. Finally, elaborated on the process of design and implementation of commercial bank credit management system. Related to operating the system are mainly involved in customer management, credit rating management, credit management, lending management,the credit checking, asset preservation, management and other aspects of the system for various aspects of different business functions point division-specific functional modules. The whole system is B/S three-tier architecture model implementation, to ensure that the system has good scalability, flexibility, and maintainability; in safety design, from the application level, system-level and network-level security of the system design, to the performance of the target system design.After the implementation of the project, the various departments of the system was tested for the system page, performance, functionality, fault tolerance, maintenance, etc. have done a detailed inspection, to achieve the desired objectives of the commercial bank credit management business, the system can handle large amounts of business data, providing our customers with a better service, to further expand our leading position in the banking business lending field. Operation of the system stable, reliable, and with the continued expansion of business expansion and improvement of the future development of the commercial banks to create a considerable economic and social benefits.