Design And Implementation Of Loan Origination System For Small And Medium-sized Enterprise

Nowadays, there is an increasingly higher proportion of non-performing loans.Commercial banks tend to be cautious when dealing with SME Loan, therefore, an urgent need to control the credit risk of SMEs and the loan before the credit risk management is to control the first line of defense. In order to solve the current SME loans before the credit management issues, this paper presents a framework for local commercial bank to match the SME credit management platform. Such ideas could provide integrated management of the loan before the credit management based approach.In this paper, we first study the commercial bank credit for SMEs as a whole research on the loan origination and the credit management of SMEs. We also analyzed and the relevant technology and implementation of research in this this paper. We discuss the pre-loan management platform business process and functional requirements. Furthermore, we describes the platform design, functional structure,logical architecture, network topology and security design, and interfaces, databases and core modules in detail. The platform is designed to meet the design requirements.Finally, the case study for the SMEs on the loan validates the platform's design features.Now, this study of loan organization platform for SMEs in the local commercial banks has implemented. The task of building the basic completion of the e-business process management, enterprise resource sharing and other needs before the loan, a good application effect and social benefits. It can also improve the comprehensive capabilities of the local commercial bank credit management, enhance the overalllevel of SME financial services applications.In the actual platform and application process, there have been many problems.There are detailed analysis in this paper. Expect these problems in the future upgrade the task of building the system, to be refined and improved.