Commercial Bank Individual Housing Loan System Analysis And Design

Under the influence of the rapid development of the real estate market in our country,commercial bank individual housing loan business has been developmented rapidly in recent years.While the volume of business increase steady,a lot of individual housing loan business is facing the risk of becoming non-performing loans for the main influencing factors include the adversely affect of the change of economic environment,the poor management of fund for borrowers and the decision-making and operational errors of bank.At the same time," centralized management and decentralized management" principle is taken by commercial banks branches,the existing decentralized management model and backward information management system have become the major reasons what restrict commercial bank individual housing loan business.In the current situation of opportunities and risks co-exsit together for personal housing loan business individual housing loan business,a fully functional,data-intensive,advanced and practical individual housing loans management system is critical.With using computer information technology,throught to analysis and design the individual housing loans system,it is feasible to share the information of individual housing loan business between commercial banks branches and branches,and reduce financial risks.There is a vital significance to the unified management of the branch and the individual housing loan business long-term development.Firstly,this paper describes the background and significance of the study of the personal housing loan management system,and reviews the relevant research status at home and abroad.Based on the actual demand,this paper analyzes the present situation of individual housing loan business of commercial banks and describes the demand of personal housing loan management system,and also defines the system architecture and development environment of the system.Secondly,this paper describes the main process of commercial bank individual housing loan business and explains system use case and its sub use case with the oriented object method,and design the function structure furtherly according to the demand analysis.At the same time,the class diagrams and sequence diagrams are used to describe the system furtherly.In the end,the system database is designed and the the basic functions of the system are implementated.In simple terms,the system includes pre-loan management,post-loan management,data management,query statisticsand system management five functional modules.Based on B/S architecture,this paper analysis and design the commercial banks housing loan management system,while the SQL Server 2008 is used as the background database.The implementation of commercial bank individual housing loan system make it ture to unify the business operation for branch and share information,thus significantly improve the efficiency of the business of commercial banks.