The Design And Implementation Of Commercial Bank’s Personal Loan System

With the continuous advance of China’s market economy and the reform of the financial system, banking industry is also in a drastic change in the social environment. Bank’s business scope and business are increasing at the same time. Banks are also facing more and more risks. As the main source of income of the banking business, Bank personal loan business improve the level of information technology. Because of the low degree of information, in the banking sector into high-tech means, to the greatest extent reduce the influence of human factors on business and loopholes in the effective closure of banking business is very necessary. Based on this reason, it is very important to establish a set of personal credit system which is reliable, advanced, stable and safe, especially suitable for the bank.This paper makes a detailed analysis and research on the basic structure design, function design and development technology of the commercial bank personal loan system. First, we are starting from a system of the research background and the domestic and foreign research present situation, the urgency and significance of the development of our country commercial bank loan system is summarized. And on this basis, according to the development requirements of the system and the development of the purpose. Then, according to the personal loan business of commercial banks on the previous loan system research and the detailed requirements analysis and the feasibility of system development was assessed in the system development feasibility based on the confirmation of, the official launch of the system development related work.The system has high security, high openness, portability and scalability advantages, the system is extended to the commercial bank personal loan business, to improve the efficiency of the personal loan business, promote the development of commercial banks has important significance.