The Design Of The Commercial Bank Enterprise Credit Systems

The current interest rate marketization and double impact of the Internet financial,some commercial Banks because of their business development and regulatory requirements,needs to undertake this bank's credit class data aggregation,analysis,processing,form prescribed format message shall submit to the people's bank of China credit reporting center.The scope of the packet of data and message interface specification shall be strictly in accordance with the people's bank of China credit reporting center for the enterprise credit reporting system data interface specification V2.1-0716 ",not only such,report the message needs to meet the requirements of timely rate and accuracy above 99.5%.On this basis,a city business requirements in IBM minicomputers cluster environment construction a set of B/S architecture of enterprise application used to support the bank credit business development and planning of line.Main function of extraction of various business line system of data storage,analysis,processing,and then automatically submitted to the people's bank of China credit reporting center,and have very high request for data quality and automated process without human intervention.The format of the message strictly according to the regulations of the people's bank of China credit reporting center,and system scalability support in the shortest possible time response to the change of this format.Rely on the rapid response of electronic information technology,automation,standardization,etc.,construction of automatic data collection,automatically generated message,automatically submitted,automatic parsing,background management,intelligence reports,smart reminder and unattended comprehensive enterprise credit management system.In addition,still need to give each department business personnel data query and report the exported functions,convenient operation analysis and a series of work they are doing.With the aid of the project,this thesis mainly discusses the software project life cycle of project research,selection of technology and system design of the three key stages,combined with the construction of enterprise credit reporting system,discusses the small and medium-sized city commercial bank information construction process and the present situation of the domestic enterprise credit systems.