Design And Implementation Of Bank Credit Business System For Chengdu Rural Commercial

With the support of the local financial institutions'development in this years,the types of bank credit business are increasing,the credit business is more complex,which put forward higher requirements for credit management system.Only through a more advanced management tools and means,the unity of information technology,it realizes scientific and standardized management,the effective supervision of credit assets and the effective risk control.The current bank credit management system for business and process control of the coupling,but failed to carry out stratified isolation,making the whole application system is difficult to effectively play the role of the system,the lack of flexibility.Under this background,this paper studies the development and function of credit management system.The information of credit management system can effectively improve the level of bank information management,realize the electronic process management,at the same time,it has strategic significance for bank credit risk control and reduce the cost of assets and liabilities.Firstly,the paper analyzes the background,significance and the necessity of the development of credit management system,based on the current situation of domestic and international credit management system and the trend of credit risk management.Secondly,it introduces the related technology of the paper,and it is the theoretical foundation for the development of the system.Thirdly,based on the author's investigation and analysis of bank credit,the software engineering method is adopted to analyze and design the credit management system in detail.Fourthly,the system is divided for credit policy management,customer information management module,business application management module,examination and approval module,loan interest,loan management,guarantee quality management and preservation of assets management module,the designing and realizing the main function module of the system.Finally,implementation and development and testing of the credit management system,and gives a summary of the thesis.Through the development of credit management information system,it can effectively improve the bank information management level,realize electronic management.At the same time for bank credit risk control,it can reduce the cost of assets and liabilities is of strategic significance.