Research And Analysis Of Rural Commercial Bank Credit Management System

The financial credit business is the core of rural credit cooperatives support, the most important financial services, credit management system of rural credit cooperatives is a system, whicth can make the rural credit cooperatives of the related regulations and operation method of the credit aspect instantiation for the operation in the computer system, the process of service system, as the core of electronic banking and part of the information construction, not only to achieve the daily credit business loan approval management, daily effective standardization, the whole process of electronic processing, the need for more efficient means of loan credit rating, in ensuring the financial security of the premise, to control the credit risk, to maximize the scientific decision-making and interests.This paper is based on the credit management of Panlong District Rural Credit Cooperatives, the problems in practice, starting from the customer manager daily tedious and repetitive work, analysis of the existing management system of rural credit cooperatives credit problems, focus on the credit rating service module and the management flow, the risk warning mechanism of actual demand in the system as the center, process optimization, design of credit rating and loan module, unified credit rating model, realize the real-time data sharing, combined with the use case diagram, the relation between entity class diagram and database analysis of the database structure.On the basis of software engineering top-down analysis method, the specific research on the credit rating of credit system, process and module optimization, realize the credit rating of the whole process of electronic and network, to facilitate the account manager to complete the credit rating work on the Internet, convenient search results to historical credit rating. The unified credit rating model, reducing the error of judgment by the client manager, the difference of evaluation standard understanding to the enhancement of accuracy of credit rating and dependence, set up risk warning mechanism in key nodes, strengthen risk analysis and prevention and control ability of credit at the same time, can quickly and accurately according to the information submitted by the customer automatic calculation, statistical credit rating results,the results are compared with the past, can also according to user access to provide different conditions in the system, so that the credit rating system, credit management more scientific and standardized work, reduction Less artificial interference, to strengthen credit management, credit risk control, improve the quality of business decision-making, improve the efficiency of the use of "credit asset credit management objectives, the system can be widely applied to the credit rating system of banks in Yunnan province.