Design And Implementation Of Commercial Bank Credit Management System In The Large Retail Strategy

Capital constraints, the marketization of interest rates and financial disintermediation changes in the financial environment such as coal, had promoted domestic commercial banks have business transformation, including from productoriented to customer-oriented transformation,and the transformation of traditional retail business. This paper puts forward the concept of big retail strategy. With the reform and development of China's financial industry, in order to provide a better realize for transformation of the traditional business, enhance the competitiveness of the banks and to the greatest extent to realize information sharing, and the transformation of the rules and regulations of the credit for electronic management system easy to operate. It is necessary to establish the enterprise credit management information system, building a effective, safety and normative system management platform.Big retail business of commercial banks is an important business to promote the core competitiveness of the bank,which can provide better credit services for small and micro + retail.This essay has combined with the specific retail business credit business needs,which on the basis of analyzing the credit of business processes,designed the credit management system of the main function modules and system structure, and puts forward the big retail strategy under the credit management information system solutions, the credit management system testing until the whole process from demand analysis. Specific work have been divided into the following several stages: the first stage is the demand analysis stage, mainly from two aspects of the credit management system of the business functional requirements and technical requirements to consider, given the system business process diagram, used case analysis,and the system function model, to design a control system provides the basis.Then the system design stage, according to the system demand analysis, system definition of refinement and design, to determine the system design principles and the completion of the credit management system and the system structure, network topology structure, function modules and database design, and design the system of overall security of the system. Finally is the system implementation stage and system testing phase,which are implementation phase of the introduction of the advanced method and technology route, the specific description of the realization of thecommercial bank credit system, including system design, implementation architecture,the realization of database; and the relevant business module design from project implementation point of view, of commercial bank credit management system of project management and implementation process are described. In the testing stage,the function, structure and performance of the system are tested, and the results are analyzed in three aspects.This article from the perspective of retail strategy system of using the idea of software engineering,for the design and development of the credit system has theoretical and practical significance. At the same time, to achieve the electronic and scientific credit risk management, which greatly improved the work efficiency, as well as dramatic economic benefits and social benefits.