Design And Implementation Of Bank Credit Management System

Now society developing rapidly, especially the financial sector, from traditional bank counter to the era of the Internet financial. China's economy has entered a period of great development, as China's form and investment Banks, the yuan will gradually replace the dollar as the international monetary risk increase, China's financial industry is undergoing the opportunities and challenges coexist. First of all, it is the challenge from foreign Banks. After foreign Banks entering the China market, and we share together, that means we only rely on traditional practices already cannot satisfy the development of the business. Second, foreign Banks into China's financial markets such as citibank, standard chartered, they bring is not only a competition of some international financial industry leading experience and technology. This means that the Banks want to keep up with the pace of international, domestic Banks advanced concepts to adapt to the world.The bank loan business occupies important role in today's economic market, loan business can not only expand the market can also drive the development of national economy. Traditional loan business object is facing some of the industrial and commercial enterprises, but with the progress of the society, the means of market regulation economy increase, the diversification of financing channels, only rely on the industrial and commercial enterprise loan is now it won't work, so more and more Banks will loan object oriented to the individual. The risk of personal loans far below the level of enterprise loan, and the people's bank of China has established the management system of personal credit evaluation, do personal loans for Banks to provide the legal guarantee of professional authority. In the context of age, personal credit loan business will be more and more quickly, this causes the emergence and development of the credit system.As the state of personal credit system gradually improve, people's bank of everyone to establish credit registries also, this means that the individual credit is protected by the state in the law. Bank personal credit business development gradually mature, the manual process of charge to an account is no longer suited to the new environment, so it is imperative to establish a powerful credit management system.This article is based on this background the development of credit management system.The foreground of the system is written in the JAVA language, the background is using the Oracle database. The entire software development is divided into seven stages market research, demand analysis, overall architecture design, code implementation, testing, commissioning stage, officially launched phase. The system is divided into five modules: system management module, query analysis module,customer management module, business management module, a performance evaluation module. Credit system, especially for the bank's credit business process optimization has played a huge role.