On Rural Commercial Bank’s Microfinance Management System Based On Neural Network’s Design And Application

Rural microfinance supporting the poor has been defined to provide loans to the poor and low income of the farmers, which is to help the most in need of farmers out of poverty.But the fact is that many real financial needs of farmers aren’t able to obtain loans because there is not enough of its own funds or property as a guarantee,thus they aren’t able to expand production and in cash strapped vicious spiral.Therefore, on the basis of effective risk management and control and paying more attention to evaluate personal development factors such as the production abilities of loan object,the bank should be appropriate to relax the capital constraints of the loan object and lend the money to the farmers which has the development potential.Through the analysis of the daily needs of microfinance business in the rural commercial bank and the uses of neural network method,this paper designs and realizes the rural commercial bank’s microfinance management system.It can be timely and accurately acquire the basic information and credit data of the loan customers and the effective management after loan, so as to provide some help for rural commercial bank’s microfinance management.My analyzing tasks including the followings:(1) By reviewing the basic theory of microfinance and neural network.It introduces the definition, basic principles,microfinance borrowers, loans and loan conditions use steps of rural microfinance.Then it briefly describes the neural network algorithm of farmers’ credit rating from neuron model, neural network principle and artificial neural network features;(2) Completing the design for microfinance management system. The microfinance management system was completed from seven aspects:the system management module, customer information management module, the loan application module, risk review and credit rating module, the loan approval and loan review module, post loan management module, the statistical inquiry and report module. It paves the way for the realization of the entire system.(3) The realization of the microfinance management system.First of all, it briefly describes the system development environment and tools. Then, it achieves the realization of the whole system through the system management module, customer information management module, the loan application module, risk review and credit rating module, the loanapproval and loan review module, post loan management module, query and statistical report module.It achieves the predetermined goal and effect, and improves the microfinance management management ability of the rural commercial bank, and improves their work efficiency.