Design And Implementation Of Management System For Bank Microcredit

Microcredit provides microcredit basic financial services for low-income groups, which is an important way to solve the social income gap problem and promote the economic development. As the developmental stage of the emerging asset class of services in the financial industry, efficiency, cost, risk and other issues cause an urgent need for microcredit information management of the bank microcredit service. In order to enhance the bank microcredit service management, achieve the scientific management and intensive operation, thus the microcredit management system designed and developed.Analyzing the development trend of microcredit service and current development of bank credit management system, this paper proposes demands and feasibility of microcredit management system development through the research of practice microcredit service processes. Furthermore, with a detailed analysis of the credit application, pre-credit investigation, credit approval, and other service processes, we describe the customer information management, service management, system management, and other main functions of microcredit service management; On the basis of above, this paper makes an overall design for microcredit management system, proposes the system design principles, and concrete design basic settings, service management, query statistics, system management and other operations functions, and also the database design. After that, UML modeling and object-oriented analysis and design methods are adopted to realize the microcredit management system and abstract the system interface implementation. At last, this paper introduces the customer management, service management, query statistics, system management and other main function operation of the system in detail.In a word, the development and using of microcredit management system enable the bank to further standardize microcredit operation procedures, improve the management level, and reduce the risk and enhance the scientific decision-making of microcredit service. This lay a good foundation for promoting information processing of microcredit service.