Design And Implementation Of Credit Management System Of Ulanqab Commercial Bank

Bank as an important part of China's financial industry to support China's economic development.However,with the implementation of China's reform and opening up policy,many foreign commercial banks in China to open branches,inclusive lending policy to attract a large number of traffic,which China's banking industry has brought great challenges.But advanced banking business philosophy and supporting technology to the Chinese banks with experience.At present,the development status of China's commercial banks,in addition to access to business,mainly concentrated in the credit business,is an important pillar of bank revenue business.And the traditional concept of credit management has been unable to meet the development needs of banks.As a pillar business in the credit business,in the face of a wide range of market economy,faced with a strong credit risk,since the credit business carried out since the continuous improvement of nonprofit assets,resulting in an increase in the proportion of credit risk,serious cases will cause the bank to bear Profit or collapse.Now the computer-related technology penetration in China's major banking management business,the development of the business plays a vital role.In order to better avoid credit risk,to achieve a certain risk early warning,combined with computer technology to develop credit management system to solve this problem.Strictly review all the business of bank credit,in order to identify the credit risk,to achieve the effective control of credit risk,the use of information technology to establish risk early warning and control model.So the use of advanced computer technology design and development of credit management system is very necessary.Ulanqab City Commercial Bank as a local local financial institutions to support the development of local business economy.According to the credit management mode of the commercial bank,this paper is based on the commercial demand of the credit management system of Ulanqab City.The main technology and development platform includes Eclipse development platform,MVC design mode,B / S system architecture,SSH framework technology and SQL Server database management system developed a credit management system.According to the entity management of commercial bank credit management mode,in the system function,mainly includes customer management module,business management module,risk management module,asset management module and system management module,to achieve a comprehensive management of bank credit business.Ulanqab City Commercial Bank credit management system is mainly to customers,business,risk,asset management into a unified information platform,the use of computer technology real-time management to control credit business.For the use of the system,mainly including Ulanqab City is a commercial bank's first-line credit clerk and managers at all levels and high-level decision-makers,in carrying out credit business process,the credit management system to the system users and the Level departments to integrate into the platform,is the bank's management level has been improved,comprehensive management of bank credit business.So that the efficiency of the bank credit business to maximize,especially the risk early warning management module,greatly reducing the risk of credit business,so that Ulanqab City Commercial Bank credit management more modern and intelligent.