Design And Implementation Of Commercial Bank Post-Loan Managementsystem

With the frequent occurrence of bank loan defaults,commercial bank Post-loan risk management more and more Attract people‘s attention. However, this work start late in China, There is a gap with foreign commercial banks on the management ideas and methods,the Concept of Emphasis on loansand pay no attention Management is serious, problems of weak Post-loan management is Very prominent. Simultaneously, Due to the intelligent control of the computer system used in the field of credit risk monitoring,Can greatly increase the capacity and efficiency of Discovering and judgmentting of risk sources, levels, trends and scope,Advance warning of risk, play an important rolewhen guide and assist the work of loan officers to carry out post-loan management. So the majority of our commercial bank credit risk management system has been developed,And used in daily post-loan management work.Based on the current situation of China's commercial bank post-loan risk management,Combined with computer language PHP‘s fast, cross-platform, high efficiency characteristics,design Commercial banks post-loan management system through it.This paper introduces the concepts and content of commercial bank credit risk and the credit risk management, leads to an important partof credit risk management process: post-loan risk management, and introduces its concepts, processes and methods.By analyzing the characteristics of China's commercial bank loans after the current risk management, problems and causes of problems, this paper argues after China's commercial bank loans risk management in post-loan inspection, risk warning, post-loan institution building, loan classification and post-lending management problems team aspect. To solve the above problem targeted, we must rely on the joint force banks, government and society, in order to effectively improve the efficien cy of post-loan management.Based on these research results, this paper from the risk management of commercial bank loans actual needs, determine the post-loan risk management system design ideas. According to user needs of different analysis modules, the overall structure and core design, including: credit checks, risk warning, loan classification, deal with the problem, involving data entry, information management, systems analysis and results feedback. Finally, the paper tries to use PHP computer language, namely the completion of the system interface, the loan check module, risk warning module, loan classification module, process module and the problem with the system functional programming language, and shows the interface after running the program language.