The Design And Implementation Of Postloan Management System Of The Public Loan For Shandong Rural Credit Cooperatives

The post-loan management of public loans is closely related to the implementation of various loan projects.Financial institutions at all levels need to establish a more comprehensive mechanism to ensure that the loans can be properly implemented.Shandong Rural Credit Cooperative have recently upgraded and optimized their post-loan management of inner-institute loan to better meet the relevant requirements of the industry.Due to the relatively lack of information,part of the inspection process is not efficient.At the same time,because the implementation mechanism is not perfect,there is a more obvious formal phenomenon,such as the content of regular inspection.Considering of the improvement of the quality of post-loan work of public loans,Shandong Rural Credit Cooperative decided to carry out the development of the system.In the development of the system,B/S architecture and SSH framework were the basic form of technologies.After regulating basic model of the framework,the system was divided into several technical layers,such as data persistence,and SSH framework technology was fully used to be responsible for all types of technical architecture.This framework has a wide range of application currently,and is the first choice of the management system development.Oraclellg database has the basic characteristics of parallel processing and strong scalability,and is appropriate for the management of larger data.The main functions of the system included post-tracing check,service handover and so on.Post-tracing check achieved casual inspection of public loan and other functions.Loan collection management achieved registration of loan collection and other functions.Service handover achieved querying the loan business details and other functions.Centralized return visit achieved the functions of checking and filling in the situation of inspection.Credit business check achieve the functions of the post-loan check and comprehensive inquiry and others.According to the implementation of the use of the system,the management of specific processes and links have been clear for Shandong Rural Credit Cooperative.On the basis of subdivision of the business link,making sure complete tracking and feedback of all post-loan projects and timely grasping the implementation situation of all kinds of loans.Build a strong feedback and supervision mechanism about all kinds of inspection content to ensure that all kinds of inspection business been put into practice.With the return mechanism and the business inspection mechanism,the credit limit of the cooperative unit can be effectively evaluated.In addition,all kinds of information was adopted,which effectively improving the processing efficiency of the operational aspects,and routine inspection business was well implemented to provide better post-loan management services for customer;at the same time,the security of inner-agency credit funds was fully protected,and all kinds of potential risks can be remedied and avoided in time.Communication between internal staff became more smooth,which helping carry out business smoothly and efficiently.