Design And Implementation Of Bank Credit Management System

Chinese rapid development of the financial industry is obvious to all,bank risk problems quietly appear with the shadow of the development.In recent years,the quality of banking credit has become a major obstacle to the process of economic development and financial reform.The problem of commercial banks bad debts in China has also become the focus of attention after the Asian financial crisis.And the emerging financial innovation has greatly changed the global economic and financial operating environment,the financial industry is inevitably facing more risks.How to control the risk of the current banking industry has become more concerned about the focus.In particular,new requirements of risk management have been put forward to the international banking sector with the formal announcement of the Basel II Capital Accord.Domestic banks have gradually started to build credit management systems in accordance with this standard.Commercial bank credit management system needs to deal with a large number of economic data and user information,which requires real-time data to update and ensure accurate data.The central bank provides a variety of deposit and loan interest rates,loan unit information and loan business data.With the commercial bank loan business gradually increases,the use of traditional manual management may lead to business data inconsistencies,data errors and other issues.The cost of manual management has also increased the expenditure of commercial banks.Therefore,to achieve online business loan business in commercial bank with the use of advanced management concepts and computer technology is the problem to to be solved.The research background and significance of bank credit management system have been analyzed.The bank credit risk theory and credit system design principles have also been described.This thesis introduces the related technology of credit management system.This thesis also analyzes the credit management business needs of commercial banks and designs the commercial bank credit management system based on J2 EE platform by software engineering method.As there is basic credit management business syetem,this system mainly includes the accounting subsystem,the platform support subsystem and the development subsystem,which includes the accounting management function,the account management function,the business accounting function,the error processing function,the business support platform management function,the communication service platform management function,the operation platform management functions,the customer evaluation management functions and the provident fund commissioned loan function.In this thesis,the database technology is used to model the data of the credit management system and the system database table is designed.In order to ensure the classification of the system user's authority,a secure authority allocation scheme is adopted.In this thesis,the network topology of the bank credit management system is analyzed.According to the demand of the bank credit management system,the detailed function test and performance test of the bank credit management system are carried out.The test result is consistent with the expectation.In this thesis,the advantages and disadvantages of the bank credit management system are described and the next direction of the thesis is discussed.The bank credit management system can effectively solve the problems of the credit management of commercial banks,which guards against the risk of business management.The use of bank credit management system has established the credit management process specifications and reduced manual operation redundancy.The cost of bank credit management is also reduced.The bank credit management system meets the banking personnel management needs and improves the efficiency of management of the bank.