The Design And Implementation Of The Credit Management System Of Rural Bank

Village bank refers to according to relevant laws and regulations approved by the CBRC,by domestic and foreign financial institutions,domestic and non domestic natural persons,financial institutions corporate investment,to provide financial services for local farmers,agriculture and rural economic development of the banking financial institutions set up in rural areas.As the Party of the third Plenary Session of the 17 th CPC Central Committee passed the "decision" of the CPC Central Committee on rural reform,development of several major issues,the central bank established the financial support as a strategic task of building a new socialist countryside to grasp the policy,Chinese village banks such as bamboo shoots after a spring rain moved fast development.In the China Banking Regulatory Commission issued "on the adjustment of the relaxation of access policy of banking institutions in rural areas,a number of opinions" better supporting the construction of new socialist countryside policy under the guidance of the current rural banks in China in 31 provinces,covering 1083 counties(city),county(city)accounted for 57.6% of the total,stop to December 2014,China's rural banks has increased to 1547.The village bank belongs to the small and micro finance institutions,the majority of rural banks to organize technical force to develop,use and maintenance of the whole banking system,the use of managed mode,saving resources and good work to meet the needs of the.This subject is in order to better promote the development of rural banks,in order to serve the central bank to perform their duties,actively respond to the party and the country to solve the problems of the credit management system development decision,hosting the village bank.To become the most suitable for rural banks,with the farmers,Small and micro businesses and individual industrial and commercial households initiated loans,outstanding rural bank "small","fast","credit management system spirit" characteristics.The village bank managed credit management system under the guidance of software engineering ideas,using Sybase database,MVC layered architecture,Controller layer in MVC using Struts framework,using theiBatis framework persistence layer framework,these two points as the main technical means,the deployment of the server for the JBoss server.This system realizes the customer registration,customer information entry and management,credit business initiation,approval and management,report viewing and other functions;the system also realizes the user,role,mechanism,menu,table,workflow management tools,to provide business definition pages and report definition definition module.To provide loan information management platform for bank credit officers,the operator can maintain through the system of basic information on loans to customers,for customers,before loans,loans late online scientific management in workflow model.Higher authority such as department responsible person or risk department staff,can be submitted to the customer manager workflow online review and approval,and can carry out simple statistical statements.This paper mainly from the earlier investigation managed credit management system of village banks,system design,implementation process,system analysis,testing several content system to detail early I implementing managed credit management system of village banks demand analysis and design.The most through the summary,a detailed introduction of the system development process of the use of technology and the characteristics of the system.Finally,the prospect of small and micro financial institutions trusteeship services and the future research directions are prospected.