Commercial Bank Credit Guarantee System Design And Implementation

Finance as the core of modern economy,carrying the economy,credit is the life of finance.The credit constructions of financial is the main part of the whole social credit system.Commerical banks as an important credit guarantee has become the most sensitive area of economic credit.The current commercial bank credit system defects in the structure,workflow,functionality and credit business is still extensive artificial.In order to meet the modern businesses,information management and risk control ability,it needs to establish a set of industry characteristics.It is much needed a efficiency and practical business credit system developed by modern technology under the new economic environment.In order to solve the above problems,this paper research object,the actual credit guarantee business processes and business types common in the study abstract model using SME credit guarantee companies and establish of a typical business process model of credit guarantee companies,credit risk rating models and statistical analysis of model data.Complete system design and develop based on there three basic demand model.Completed a system using B/S and LAMP.This platform reduces the manual management of credit guarantees to bring inefficiency,low accuracy,the risks arising from the large of impact.It contains Process control,credit rating and data analysis functions.It standardized business processes,improve the efficiency of business processes of the bank credit and analysis user's credit real-time to avoid losses to the bank.Innovation of this paper:? Logical-physical dynamic staff permission management mechanism.Provide convenient and flexible user access control and use system easily ? Add data validation based on the framework layer reusability.Reduce some of the code development and get the abstract universal middleware.?Improved method of multidimensional gray model with fluctuations evaluation.