Design And Implementation Of Loan Management System

At present,with the development of the domestic credit market,product innovation,business related degree is higher and higher,the growing credit business,commercial bank credit risk management requirements are getting higher and higher.Domestic banks generally established a relatively perfect credit management system,in the process of credit,with the help of credit investigation and internal process supervision,risk assessment,risk early-warning service means and modern IT technology,in an effort to control risk at the same time continue to pursue benefit maximization.Modernization in the management of commercial banks by to various municipal branch as the corresponding data centers,network data centralized management,a lot of credit in the daily business data,loan information and customer information through data statistics analysis into the computer database,do strong reference work for existing bank loans.In this paper,based on the main credit management business objectives,the bank's credit loan management system after the first analysis of the functional requirements.The system is head of credit requirements of internal control based on,based on the prevailing bank management system,again with the total branch,proposals are fully integrated,the corporate credit business management system design and implementation.The system includes a number of core elements:specific report automatic generation system,authorization management system,the management system of credit products,credit control system and so on.And this system and people line enterprise credit system,the international business system,accounting system and so there is a corresponding data interface.The system has the overall management function of customer information management,credit survey information management,credit examination and approval and lending operations.The system for post loan management functions are to the statistical function of bank credit business on credit project regular surveys and analysis,credit risk assessment and(5)classification,mortgage and security management,and on this basis.After the realization of the system and the corporate credit business of customer information maintenance,credit investigation,review and approval,loan operation and post loan management,business process electronic operation,for credit business data processing,statistical analysis,risk early warning,business decision support information such as laid a technological basis.The bank and credit management business related function of the overall system design is composed of parts:before the loan management module,loan management module,post loan management module,customer relationship management module,credit assets account management module,risk audit module affairs,internal control and compliance management mode block and integrated query module.In aspect of software realization,the post loan management system and the internal organization of subject information system,based on a client server architecture,development and implementation of the database platform is DB2 V9,to SQL stored procedures based implementation of most with intensive access to business function modules and algorithms in Java programming language based implementation part with intensive computing procedures are required,such as early warning of risk and risk evaluation.The overall functional architecture of the software is based on the model of MVC system,and the software architecture will have a series of technical advantages..Through building a set of characteristics for different commercial banks,with operation,convenient management,according to different customers for convenient resource sharing,greatly improve the work efficiency,gradually formed on the effective management of the loan risk.So,the combination of computer system and credit risk management,can make full use of the computer system with information statistics,model establishment,data analysis,data storage and so powerful,the credit risk management can be better to complete,there is help credit risk management make better decisions,commercial banks which also can be obtain a sustained and stable development.