The Research And Design Of The Customers’ Credit Evaluation System Of Rural Credit Cooperatives

Nowadays,in the financial development system of our country,As the financial development in rural areas started late and slow development of rural economic development has had a serious impact.But in our country,the development of the rural financial system is mainly dependent on the rural credit cooperatives.From the point of view of at the moment the nature of China’s rural credit cooperatives,rural credit cooperatives,most of the business are services for farmers,credit cooperatives in the real income of business less,for farmers or individual farmers organizations provide loans is the only source of income.Loans to farmers most from to meet the needs of business,due to the generally low cultural level of the peasant,for business no anticipation,which increases the likelihood of business failure,but also increase the risk of credit loans of rural credit cooperatives.Monotonous business of rural credit cooperatives,loan business will occupy most of the funding,as a result,loan risk and capital safety become vital rural credit cooperatives,once the loan funds appear large area can not be withdrawn from circulation,rural credit cooperatives will appear destruction.Because of a large population base of farmers in China,in a very long time,the financial service system and information development in China’s rural areas is relatively backward,in order to further promote the development of rural eco nomy,better for the rural credit cooperatives to customers,customers Loans and other business at the same time,the need to strengthen and improve the customer’s credit evaluation system.Therefore,this paper designs and develops the customer credit evaluation management system according to the status of credit management of rural credit cooperatives and the information and network technology.The main issue is with related demand of the rural credit cooperatives of customer credit evaluation management and the field survey,according to the theory of software development and project management theory is designed,in this paper,the use of My SQL,J2 EE and other technologies to realize the system,first of all the relevant technology were brief overview,a nd then analyzed the feasibility,function and function,on top of this,from the outline design,the detailed design and database of system is designed.In the part of system implementation,followed by from the system implementation environment,database implementation and based on B/S rural credit agency customer credit evaluation management system of realizing expansion,which based on the realization of B/ S of rural credit agency customer credit evaluation management system divided for data acquisition,customer credit management,credit evaluation processing,evaluation results management,report query management,system management,and other modules.The project design of the system convenient management of rural credit cooperatives customer credit evaluation,improve work efficiency,realize the rural credit agency customer credit evaluation and management of centralized management,distributed storage,using real-time,efficient and reliable requirement,the use of computer technology to the rural credit cooperatives of customer credit evaluation information processing,thus effectively,thoroughly change the traditional rural credit agency customer credit evaluation management model,to improve the safety and efficiency of rural credit cooperatives c ustomer credit evaluation management,to facilitate the management of rural credit cooperatives customer credit evaluation.