Design And Implementation Of Heze Development Zone Agricultural Bank Credit Card Management System

Credit card is a kind of simple credit service provided by the bank.It supports noncash transaction and plays an important role in stimulating social demand and economic growth while it is convenient for users to consume.With the development of market economy in China,credit card has become one of the fastest product development of domestic personal financial service market,every year to maintain the growth trend of 14%,credit card business has become an important competitive field of major banks.First of all,the credit card issuing volume,variety,need the help of the management information system to improve management efficiency;secondly,in the market competition in the credit card,credit is the core factor of the competition,if bank credit to users outside the user's repayment ability,easy to form a bad debt;and if the quality to meet the consumer demand for customers line of credit cannot easily lead to the loss of customers,by means of data analysis methods to construct user rating model is an effective method to realize the scientific and reasonable credit,under this background,this paper studies the design and implementation of an credit card management information system for Heze branch of agricultural bank of china.The functions of system cover the whole process of the bank credit card business,from the user through the application card,to the bank audit,and the amount of the adjustment pin card.Through the accumulation of data analysis for the system,logistic regression algorithm to construct user rating model based on the management of the credit card credit limit scientific reference the data.In the stage of system requirement analysis,the analysis of China's credit card management policy,and the related theories and methods of credit management,the actual investigation of the bank credit management business processes and requirements.In the demand analysis stage,this thesis analyzes and describes the system requirements from both functional and non-functional aspects.In functional demand analysis,we use UML technology to model the business of tax department performance management,including performance plan,process management,evaluation and analysis of performance.Non-functional requirements analysis consists of 2 parts: system performance and compatibility.In addition,the paper also gives the data modeling in the modeling process based on relational database paradigm third constraints on the modeling process,effectively avoid the redundant information in the database and data update data inconsistency,E-R graph model of the system is given.In the architecture design,risk management system of local tax bureau adopts the B/S architecture.In the process of system development,we use Struts2 MVC development framework in J2 EE development environment.In the design and implementation of the database,we use Oracle as the background database.In detail the function of the design and implementation process,this thesis puts forward a system function design,and then based on the program flow diagram and sequence diagram to describe the specific function of the system.In the credit card application audit process,logistic regression model to analyze the user's ability to pay based on the given initial credit line;further through the analysis of the user's consumption and repayment behavior,logistic regression model analysis based on user's willingness to pay,to provide scientific reference for the adjustment of the credit card credit limit.In the part of system testing,we test the functions of system based on the black box testing method in the function modules testing.In addition,the pressure test software is used to test the whole system performance,and the method and results of the pressure test are given.Meanwhile,compatibility test is also given.The results of module test and nonfunctional test show that the performance management information system design and implementation of the tax department can meet the performance of the ABC at the city level and achieves the design goal.