Design And Implementation Of Internal Approval System For High Limit Credit Card Installment

With the rapid expansion of the credit card business of commercial bank,it's difficult to effectively manage such a huge amount of overdraft assets by relying solely on the original manual management model.In order to meet the practical developing needs of the credit card business of commercial bank,as well as to further strengthen the management of overdraft assets produced by credit card staging,so,it is very with realistic significance to study the systematic management and approval of high limit credit cards.Based on the status quo of installment management of high limit credit cards,this paper designs a set of approval system which is in line with the interests of commercial banks and easy to manage large credit card overdraft assets on the basis of the core business system of a commercial bank.Through the detailed study of bank card business theory and key technology required by the software system research,by visiting a number of commercial banks and conducting detailed communication with the first-line customer managers,I thus determine the functional requirements involved in the development of the system.For the system design part,after having an communication with the instructor and the bank technical personnel,the principle of system design was firstly determined and the overall structure of the system was designed.Secondly,the function modules of the system based on J2EE framework were designed in detail.Finally,the database design is described in detail in the form of charting.After the completion of the business design,this paper completed the realization of the expected functional modules.Through the construction of the test environment,the system function modules were carefully tested,and it drew an conclusion that the system interface is friendly with good practicability which achieved the desired design requirements.In this paper,the design of the internal management system of credit card installment enables the management of the insurance applications of large installment,mortgage statistics,etc became more regulated;effectively enhance the ability of early warning of risk of commercial bank on management work after the credit card installment loans.Through the comprehensive analysis and design of the functional modules of the high limit credit card installments,the system realizes the paperless office of the high limit credit card installment application,while effectively improving the efficiency of approval through realizing the direct communication between the approvers and front desk business personnel by information input.