Design And Implementation Of Management System For Small Micro Credit

Small micro-credit business has been developing rapidly,among commercial banks,in recent years.Since the new type of credit business is quite different from the traditional one for company credit,it's nearly impossible for the two to share one credit information system.Therefore,a new information management system is in urgent need to get the bank prepared for the new situation of development.J2EE technology is used in this paper,designing and developing the Small-micro Credit Management System.The main contents are as follows:1.In this paper,the Small-micro Credit Management System is designed and developed based on J2EE architecture and ORACLE11g database technology.The system includes customer management,message and warning prompt management,credit management,process management,loan limit management,contract management,embed collateral management,IPC technology,customer rating and risk-warning management,accounting management,loan center management,credit accounts,post-loan management,performance evaluation,statistics and reporting for small-micro credit,system management,the management for of credit file repository(using video workflow),establishing offline business platform,external communication interface development,trace management and so on.2.This paper introduce the Small-micro Credit System in details,including the business needs of the system,the functional requirements,the non-functional requirements,the design of the system's architecture,the functional design and the design of database.And furtherly,the key codes' of the system's main functional modules,the achieved effects and test results for the main functional processes and the performance of the main modules are listed.Those main modules include customer management,credit management,process management quota management,contract management,warranty management,IPC technical confirmation and so on.3.The system focused on solving several problems specially existing in Small-micro Credit management,which includes the complicated types of business,the relatively short period of loan,a variety of types repayment,complex debt situation,changes in assets and more features of credit accounting.It satisfied the special requirements of the management for Small-micro Credit business,including,the accurate customer marketing management,the flexible repayment,the effective and efficient approval processes,the unified batch processes of post-loan management,the refined incentive mechanism of performance management and the multi-dimensional functions of statistics and analysis.