The Design And Implementation Of Bank Credit Risk Management System Based On Java EE

With the change of competition mechanism of changing domestic and international economic environment,the market and the New Capital Accord compliance issued,banks gradually entered the diverse and complex stage of development.A new generation of credit risk management system functions are as follows:(1)basic credit process:product and marketing management,credit application and approval,the implementation of credit and loans and non-performing assets management;(2)unified risk management:customer classification management,collateral management,facility management;(3)information and data Integration:interfaces to external systems integrated credit risk data statistical management.Credit business as the main part of the domestic banking system,can carry on the effective management of risk,the bank determines the healthy and steady development in future operations.Because of its computer application technology in our country's existing bank later,banks have their own advantages and characteristics,it is difficult to achieve a unified data management.In recent years,China's bank information management is increasingly perfect,so as to realize the Bank of vertical management,avoid internal bank due to personal factors caused by operational risk,moral risk,to create a very Chinese characteristics of integration management platform.In the thesis,the main functions of the system are operating loans,credit business process of application operation,operation of loan approval and loan origination tracking operation,concrete is divided into pre loan management,loan management,post loan management sub module.Design and application of the system of credit risk management is widely used Java EE multilayer frame structure popular.Through the construction of the platform system,expanding the accuracy and reliability of the data of system,in a certain extent,convenient for users to access the system and convenient operation,the system uses quality management philosophy of effective decision bank oneself information development.In the business process control combined with the analysis of the corresponding data,improve the ability of banks to avoid potential risks in the operation.In the thesis,a based on Java EE technology of commercial bank credit risk management system,with data on the highly scalable,operating system operation and flexible advantage,effective for bank credit business involves many departments and business process has characteristics of system through the corresponding work mechanism is introduced,multiple levels of control flow layer is formed,further to the credit risk control,from promote the bank to the credit business process of scientific management,reduce credit risk,in business development in a variety of credit products effective development,seek more potential customers.