The Design And Implementation Of The Credit Risk Management System In The Rural Commercial Banks

With the reformation and development of Ch ina's financial industry,Electronic trading has become an inevitable trend. It is an important approach to effectively improve management, increase business efficiency and control financial risks, Inadequate and Improper credit risk control is a critical cause of the increasing bad debts in banks. How to apply scientific methods and modern information measures to improve the management of credit risk has become the focus of all commercial banks.The main problems of credit risk management in rural commerci al banks lie in the absence of risk management concepts, Disabled identification and inadequate prevention skills of credit risk. Monitoring system on customers' credit conditions and fund status is not formed. Risk measurement and transfer tools are defic ient. Rural commercial banks lack of responsibility for risk analysis and correction process, making the process of credit risk in all aspects of the lack of ability to control.In the view of current credit risk management situations in rural commercial banks, this paper designs and develops a Customer Credit Risk Management System Based on information and network technology. It consists of seven main sections: credit risk classification, credit risk measurement, risk-weighted assets calculation, loan information inquiry, loan statements, credit risk warning, regional management and non-performing off-balance-sheet loan management. All sections collaborate efficiently to achieve a full-scale management on customers' loans, which is of great significance in improving loan quality, reducing credit risk, achieving scientific management of credit business, enhancing the security of credit assets,strengthening the legitimacy and accuracy of credit forecasting and decision-making.In the development of the system, this paper uses “spring mvc” and integrates with “shiro” framework to provide a comprehensive security management services.j Query-based Ajax technology is also introduced in the design of the front page, to enhances reuse rate and scalability of codes hen ce increases page loading speed. It proves to be competent to provide easy maintenance and high-quality user experience.Customer Credit Risk Management System in rural commercial banks will improve the accuracy, timeliness, controllability and effectiveness of the credit risk management, thus enhancing the risk management and core competitiveness. The proposed system in this paper gives an efficient solution to the demand and proves to be practical.