The Development And Application Of Company Credit Management System

User is one of the first joint-stock commercial banks approved by the State Council and the People's Bank of China.Open for more than 20 years,User has set up 108 branches,1435 embranchments in main cities of China and established online banking,telephone banking,mobile banking,radio and direct bank as well as agency relationship with more than 1500 banks all over the world.The size of User's credit assets has reached 4.41 Trillion Yuan in 2014.Since the credit business is still the main part of User profitability,the degree of electronic bank has a big impact on bank management.The public credit management system designed for banks is based on the process of basic public credit business and each professional business.It is a system which can,through electronic methods,achieve such functions as business initiation,approving,loan,loan management,information inquiry and comprehensive management and so on for the financial credit business of the whole enterprise line.Also,it is a credit business operation platform and risk management data collection platform.The system involves dozens of roles,such as customer manager,assistant manager,risk manager,examination and approval manager,position of risk classification management,system administrator,etc.The configuration of user role and authority is completely in accordance with the user's actual position,responsibility and authority to ensure the accuracy and validity of this configuration.The public credit management system conducts the flow of credit application,examination and approval of the business,credit business payment audit and the post-loan management in an electronic way according to the actual process of credit business occurring in real users' activities.And the system owns the core function of customer credit rating.Design of the system makes plenty of arrangements and analyses based on good understanding of customer requirements and takes its own extendibility and maintenance into consideration during every link from design to testing.