Credit Management System Design And Implementation Of A Large State-owned Bank Branch In Tianjin

In today's information age, more and more obvious trend of economic globalization, competition between banks with this wave of the arrival of the increasingly fierce. Faced with this situation, the four major state-owned banks have conducted business upgrade, internal reform and capital market, enhance their overall strength, in the face of the global banking industry complex fierce competition form. The key to improve the quality of the management of bank credit business is the present stage of our country commercial banks continue to move forward, the rational allocation of credit funds, reduce credit risk, improve economic efficiency, effective control of loan loan size and loan structure, the end of China's commercial banks to build reasonable credit management system.This article takes the credit business of a state-owned bank branch of Tianjin in the practical management encountered all sorts of malpractices and credit management system needs analysis as a starting point, the bank credit management system has designed the corresponding, to achieve the purpose of better service for the people. The original bank credit management system was improved and upgraded accordingly, the management system, the whole system of data quality inspection and information application platform three functions as the main research focus of the article, and solve a series of problems in the system of information sharing, data mining and other aspects in the design process of function module in so, our bank credit business toward the healthy direction.The whole article to meet regulatory guidance, management and provide decision support for the goal of data flow of state-owned bank credit management process and a variety of business credit management information system to conduct a comprehensive and detailed analysis, and the idea of management information system as the main line, to abandon the method of most scholars at this stage of the software engineering as the main line, in order to management as a guide, in the design of new credit system business needs, give full consideration to the management requirements and recommendations, and in the realization of the system, emphasizing the effective integration of systems and services, the bank related business as the starting point of the system research and design. In addition, in the process of analysis and design of the whole system of business requirements, a comprehensive review of China's commercial banks, so that theory with practice.