Analysis And Design Of The Personal Credit System Of Postal Savings Bank

With the rapid development of Chinese market economy and economy system reformation,our banking industry has witnessed increasingly severe competition.The credit is the primary assets business of commercial banks.By taking back principal and interest of the loans,they get profits after deducting cost.Currently the government has strong support for "Three Rural Issues" and "Micro and Small Businesses".In this background,a series of policies are implemented in order to promote economy,readjust structure and stimulate domestic demand.Retail Credit Business now becomes new battlefield between commerical banks.At the same time,the personal credit business plays vital role in credit restructure,risk management,loan quality enhancement.The portion of personal cerdit becomes bigger in all credit businesses of commercial bank year by year.The personal credit system of Postal Savings Bank of China is the computer application system,which it uses nationalwide data centralized pattern.Also,it has many functions for personal credit business,such as managment,review&approval,interest calculation,repayment,after-loan management,accouting check.It is necessary to establish more effective personal credit system,in order to adopt business integration,refine management,standardize business operation,improve ability of electronic and risk management.First of all,the thesis briefly introduces the basic information of Postal Savings Bank of China.And it analyzes the importance and former defectiveness of personal credit system.During the study,the author makes analysis and design of the system by mainstreamed object-oriented programming thinking method.Secondly,it introduces related theories and technologies in the thesis.The author has requirement analysis by researching personal credit system of the bank and analysing its functional modules and database.Also,it has overall business requirement and main business requirement.Then,the author designs functional modules and database on basis of requirement analysis.It uses flow chart to present module design,and database design is present on E-R diagram and datasheet.Lastly,it summarizes the advantage of disadvantage of the system,and expect how to solve this problem.