Design And Implementation On Online Credit Risk Management System For A Bank Electronic Commerce

Credit is the eternal theme of commercial Banks,how to win in the fierce competition of the Internet age,how to using Internet technology to find potential clients,how active innovation in network economy era to retain customers,has become a main task for the development of the banking sector.How to use the computer and banking information system to improve service levels,enhance market competitiveness,improve the level of credit management and credit quality,so as to prevent or reduce the credit risk,is directly related to banking can hold sexual development.In the Internet increasingly developed today,the Internet financial especially Internet credit has increasingly become an important part of the whole financial market.In each big electricity companies involved in the credit markets,Internet rob points cake,squeezing out traditional banking market share,broken under the time background of traditional credit profit,conduct electricity business credit has become the urgent demand of commercial Banks,the development is different from the traditional credit management system of the electric business online credit risk management system is more urgent now.This dissertation is based on a certain commercial bank intends to co-operate with a electric business platform to carry out the requirements for online credit business of electricity,according to its requirements and operation process,first the system development background and significance,the domestic and foreign development present situation,and then analyzes the demand of the system,on the basis of the analysis of system requirements,select the technical architecture of the system,and design the system function module,by adopting the way of flow diagram to a detailed description and design of system function,and design the system database.Finally,in this paper,the online examination and approval system is summarized and prospected.