Design And Implementation Of The Credit Management System For The Poor Households

To eliminate poverty,improve people's livelihood and gradually realize common prosperity is the essential requirement of socialism.The key is to solve the poverty alleviation work in the "three rural issues".The "three rural issues" is the core to solve the agricultural problem,so in order to achieve modernization,scale,industry,agriculture as the breakthrough point to promote the farmers,agriculture and rural issues.Funds are the core elements of social and economic development.However,how to solve the problem in the past to solve the problem of loan management requires needs the wisdom of the grassroots managers.The "double linkage" was first proposed by Hubei province in 2013 began to explore(called "double win"),the depth of cooperation aims to strengthen grass-roots banking institutions and village organizations.Village "two committees" will introduce the whole process of credit management in order to make use the information advantage,the problem of the information asymmetry between the crack mechanism and the silver industry,the implementation of rural customers,to support the real economy and the strengthening of the grassroots party building win-win.It is a great practical significance to reduce the risk of rural finance and solve the contradiction between the poverty alleviation and the sustainable development of the financial institutions.1.Aiming at the grass-roots work does not have a system to effectively manage the credit business,construction of regional poverty alleviation credit platform,double really linkage,combined with micro credit management theory,mobile investigation method,credit business after tracking principle,establish a set of poor households investigation,credit rating system and mechanism for the grass-roots committees with the basic financial institutions,regional poverty household archives filing,riser,economy and family situation of credit rating,and reasonable distribution of poverty alleviation loans,with the loan after the inspection through the standard committee system and institutionalized.2.Based on the process and management mechanism of the poor credit rating management system,this paper analyze,design and implement a mobile Internet based investigation,credit rating system,the system adopts the hierarchical structure model,analyzed the demand of the system,gives the design scheme of the system is divided into poor file management,investigation evidence management,credit rating management,credit management,credit check management module according to the business needs of the system,and gives the concrete realization of the system,finally has carried on the system deployment and testing.After deployment and testing,design and development of the poor households investigation credit rating system to achieve double linkage communication requirements,is conducive to the construction of regional poverty credit service platform,reduce the financial institutions at the grass-roots level of bad debts ratio,to the key role of the precise poverty alleviation work promoting.