Design And Implementation Of Commercial Bank Credit Management System

As a traditional core business of various commercial banks and some financial institutions,credit business plays an extremely important role in supporting China's comprehensive economic development.With the deepening of the trend of financial globalization,the financial market credit risk is increasing.In order to avoid the credit risk,the banks need to have the advanced management ideas,optimized organizational structure,scientific and standardized business processes and high-end information management technology.The effective operation of the current commercial banks requests a higher level of electrical and informational system to support.Only with an effective and safe full-flow credit system can banks fulfill the management requirements,which means to center the customers,to elevate the quality of the management to the more exquisite,as well as to prevent and/or control risks at all levels.Under this background,this article has carried on the elaboration to the bank credit management system.The bank credit management system developed in this paper has established a information and communication platform for banks and customers to solve the asymmetry of enterprise and bank information.The system establishes a contact platform for the bank and the customer on the intention of credit cooperation,and records the entire process of contact.At the same time,the system builds a business process and platform that can provide business processing for enterprises and banks.Enterprises only need to upload the materials needed for business on the Internet.The bank can carry out the pre-audit of the information on the Internet.In addition,the system has established a multi-level customer credit evaluation system,and build a customer credit evaluation model.Through the customer credit evaluation model,the system can complete the credit assessment of enterprises to ensure the security of credit transactions.In the paper,a comprehensive comparative analysis is conducted on the current banking credit systems firstly,both home and abroad through multiple case studies.Through the multi-layer analysis from different perspectives,the author then provides a prediction on the trending and future direction on commercial credit systems.The analysis serves as a good foundation for the system design and development.On this basis,the demand of the whole process of credit management system are analyzed from two aspects:the functional requirements analysis and the non functional requirements analysis.Then the system logic architecture,network topology architecture,function modules architecture and the database are designed.The ExtJS framework,Tomcat server,J2EE development technology and MySQL database and other key technologies employed in this system are systematically developed.In this paper,the detailed design and implementation of customer management,credit products management,customer credit evaluation,credit contact,credit business management and credit contract management have been completed.At last,the system is strictly tested,and the test environment,test plan and test results are offered.After testing,the bank credit management systemis proved to be stable and correct in the course of operation and has achieved the purpose of the system development.At present,the bank credit management system has been put into the actual bank credit business,and greatly improve the efficiency of the bank credit business,ana is also convenient for customers for bank credit business.So it achieves the purpose of system development.From the strict internal supervision of commercial banks,the bank credit management system standardizes the bank's credit business process,which helps the bank to control the financial risk,improve the work efficiency,reduce the operating cost,improve its own income,and obtain the good development prospect.