Rural Commercial Bank Credit Management System Design And Implementation

The management of credit loan is of great importance to the development of the bank.The effective management of credit loan can not only enable the rural commercial bank to control and operate the cost but also improve the economic benefits comprehensively.Hence,many rural commercial banks abroad have introduced the advanced operation concepts and management technologies so as to optimize the management of credit loan.As far as the development of rural commercial banks is concerned,the informatization of credit loan management can improve the control over the risk but also raise the competitive strength in the market.The value of the electronic process can be fully reflected in optimizing the informatization management and reducing the asset-liability cost of the enterprise.With the aid of the existing development tools and computer technologies,this paper has designed a credit loan management system for rural commercial banks in a scientific manner so as to satisfy the requirement of developing credit loan.The feasibility analysis will be also analyzed accordingly.After reviewing the literatures relevant to the credit loan management system for rural commercial banks,this paper has designed and analyzed various systems for credit loan management through information technologies,which can pave the way for the further research.Based on the literatures available,this paper has also conducted the feasibility analysis aimed at the needs of the credit loan management system for commercial banks from the perspective of operation,economy and technology.Moreover,the strategies aimed to realize the functions of the credit loan management system for commercial banks have been also discussed.