Design And Implementation Of Credit Management System Of Rural Credit Cooperatives

In recent years, with the reform and development of financial sector in China, credit management has become the core of commercial banks, and it plays an important role in achieving the economic benefit of commercial banks. However, the lack of the normative credit management system and the financing service system seriously affects the development of the rural economy, the farmers are facing a difficult situation of getting loans. The establishment of credit management system is significant in the development of rural finance.By using advanced computer and network technologies, credit management system can realize the new breakthrough and improvement in technique of management. The application of this system will play an important role in developing credit service and managing in credit cooperatives. Based on the workflow of credit business, Credit Management System integrate several mature and advanced techniques, such as computer and network technologies, mass storage technology, modern communication technology and so on, to establish a centralized, unified, standardized modern credit risk management system. It will reduce manual intervention in the process of credit business and improve the timeliness and accuracy of credit business. At the same time, it also offers a comprehensive collection of credit data for customers, and accumulates the credit management data for the foundation of credit risk management in the future.This paper discusses the design and implementation of the credit management system for Rural Credit Cooperatives. Firstly, with analysis of the feasibility of system, a suitable software development technology which has short development cycle and complete functions is selected. Secondly, based on the professional work of Hunan Province Rural Credit Cooperatives, and detailed analysis of the credit business processes and functional requirements of system are provided. Furthermore, a complete SQL Database is designed, and the credit management system is designed which is based on C/S two layer architecture.In this paper, the Pooling technology provided by Delphi is used to improve the operation efficiency of the system. In the Delphi development environment, a fault tolerance and load balancing mechanism and multi-threading technology are designed and implemented, which are used to improve the stability of the system. Finally, as with the test and operation of each functional module, the system realizes the informatization management needs of the credit business. The design and accomplishment of the credit management system for Rural Credit Cooperatives can further standardize the credit business management behavior, prevent and control the credit risk and improve the asset quality of agriculture loans.