Inner Mongolia Bank Loan Management Information System Design

After a century of development, western bank financing business has become one of the most profitable business in the bank business. Banking in China has been protected by the national policy in the decades.The loan spreads can earn huge profits, coupled with China's economy got high rapid development in the past few decades, the risk of bank loan business is low, because of this,the Bank innovation ability is insufficient. But with the continuous progress of marketization of interest rate and the rapid development of Internet banking, accompanied by the national industrial structure adjustment, economic growth rate continued to decline, The traditional banking face more pressure, Unhealthy loan business is more than before, bank profits could suffer badly, In order to develop better, the banks need to find a high profitable business,so financial business has become one of their key cultivated business.Based on the business needs of customer financing information system of the Bank of Inner Mongolia, The paper describes several part including aiming at the requirement of the system, function analysis was carried out, system function modules was divided, the function of each module was designed, the software and hardware implementation plan was drew up, and the impact of the launch of the system. The purpose of information system construction is to reduce the expenditure and improve the efficiency of the work. The same, the goal of customer financing information system construction is as far as possible to reduce labor and simple repetitive work, to improve the operational efficiency of capital, in order to meet the requirements of the regulatory authorities, by effectively decreasing investment risk, increasing profits.At present, The system is mainly used to sale the financing product only without analysis customer investment history. The system in the future will pay more attention to the analysis of customer investment history, share with other system information, distinguish between different customer groups, given different preferential interest rate, give more accurately investment advice, according to regulatory guidelines, to issue more open financial and net financial, and continuously improve according to regulatory requirements, the system can be customized submit content, reduce the workload of the staff report. In asset management, multi training business backbone, scientific and technological personnel, Do some preparation to expand the types of investment, to invest in foreign exchange, stocks, securities and other aspects.System support capacity increased, the business proceeded very smoothly, we should increase product innovation efforts, through differentiated services, to create a brand from the financial.