The Design And Implementation Of Credit Management Information System Of Commercial Banks In Rural Areas

Under the background of rapid development of information technology,the banking industry is still in the stage of market-based direction of feudal lords vying for the throne,to serve as the idea.How to improve the quality of loans,reducing the probability of malicious loans,loan process,focus on the completion of the compliance management,how to verify the safety of the borrower borrowing in capital,enhance the management of the degree,the other lending transaction process standardization,enhance the rationalization of bank lending decisions,has become a huge problem facing the domestic banking industry.The income of the debt service is the main way of profit of commercial banks.It can be said that the development of banking business is the most important.Only attention and development of good credit business,in order to allow banks to play a place in the incentive competition.This system in the SQL Server database and J2 EE platform based development,this paper describes the main development process of Construction Bank credit management information system,including the key models of the system design: customer information management model,transaction management model of lending,loan interest management model,report management model,credit system management management model.This paper analyses the basic structure of the Construction Bank credit management system,in accordance with the idea of software engineering and the bank's internal demand,the design of specific functional requirements,using UML object-oriented modeling technology,gradually given the use case diagram of the system,then the overall design of the system,and according to the loan according to the requirements of the design,,functional modules are realized,the Construction Bank credit management system,the function of the end of this paper tested.In this paper,the development of the Construction Bank credit management system,help to achieve the Construction Bank to "customer-centric" consistent service concept,to promote the construction of the bank's internal management and external decision-making information,improve the bank's management level and the level of risk prevention.