The Design And Implementation Of Non-performing Loans Account Management System For Rural Commercial Bank

In the new century, with the deepening of China's reform and opening up, economic development has been rapid, at the same time, rural commercial banks are gradually in-depth joint-stock reform, however, according to the data show that, as of now, all banks in the country, the NPL ratio of rural commercial banks is the highest reason for most of rural commercial banks, they mostly rely on local resource advantages and development, such as agricultural processing, textiles and building materials industries, while the market share of these industries is relatively small, they are at a disadvantage in the fierce market competition, in order to obtain sufficient funds, they often are looking for a rural commercial bank loans, because they lack the required collateral and guarantees loans, again coupled with their awareness of the law is weak, and therefore, rural commercial banks are often unable to successfully back the corresponding loans and interest, which leads to the generation of non-performing loans. The non-performing loan ratio is an important indicator of the financial industry, the higher non-performing loan ratio, risk means that the bank to recover the loan will be.In order to reduce non-performing loan ratio of commercial banks in rural areas, speed up the transformation reform of the banking, the paper aims to design a rural commercial bank based on non-performing loans accounting management system, through this system, one can promptly diagnose the existence of non-performing loans, and to take reasonable measures to accelerate the disposal of non-performing loans, reducing non-performing loans, rural commercial banks. Therefore, this study system for rural commercial banks is very strategic.This paper analyzes the background and significance of topics of current situation and development at home and abroad, and gives the concept of non-performing loans related to the support of J2EE technologies, focuses on non-performing loans ledger management system needs of rural commercial banks, such as functional requirements, performance requirements, and secondly, on the basis of the text of the first detailed design of each component of the system, such as databases, function modules, and finally, on the basis of the design of the present system implementation process of each module, and the system conducted a pre-test, the test results show that rural commercial banks non-performing loans designed ledger management system to meet the basic needs of the bank's business, in addition, the system for future non-performing loans to other scholars provided a reference basis.