The Design And Implementation Of Credit Management System For Small And Micro Businesses In Commercial Bank

In order to regulate the credit business,commercial ban ks pay more and more attention to the credit management in small and micro businesses.On the basis of the existing credit business process management and workflow engine technology,this paper takes the credit management system in the A Bank as object and constructs a complete and independent whole process credit management system through a technology upgrading and optimization.It runs through the whole process of the small and micro businesses,which contains the application before loan,lending,post-loan management and asset preservation,and covers all types of credit products,so that the small and micro businesses can get more attention and monitor the business d ynamics more standardized and detailed.This paper uses software engineering ideas to analyze and describe the designing and implementing of the system,by taking the main nodes of the entire lifecycle from the software requirements analysis to the implementation as a clue.For the requirements analysis,this paper put together the latest needs according to the characteristics and requirements of the business process,compared to the existing demands and ways to collect new demand.For the aspect of the des ign,this system uses the B/S mode which is free installation and easily used and then completes the acquisition and demonstration of system through the internet.Meanwhile,I optimize the system by using the existing business models,algorithms and the da ta model,and use the matured MVC model(Model,View,Control),popularity stable JAVA language and J2 EE framework(Hibernate,Struts,Spring)in the language-based.Hibernate realizes the “Model” functions and reduces the tightness between the database and the program codes;Struts complete the “View” functions and reduce the coupling between the page demonstrating and background processing;Spring handle the convergence between Model and View and make Control effective.Combining the three functions,this paper guarantee the soundness of the system development and easily maintenance of the post-development by using the information technology;finally,the paper complete the contents of the tests from the aspects of performance and functionality,which contains functional integrity of the system,data accuracy,integrity of imputing data,comprehensiveness of condition coverage,border coverage,user stress testing,data stress testing,system compatibility testing and other aspects,and then,I develop rigorous testing process and test process management,as well as design the installation and deployment of the system from the aspects of system security and stability,to ensure the operation of system normal and stable situation.Compared to the original hybrid nature of credit business management functions in small and micro businesses,this paper designs more independent system,better business functions,more detailed and accurate early warning prevention and maturer and more stable platform framework,which can be applied better in the complicated current situation of the credit in small and micro businesses management.