The Design And Implementation Of Public Credit Lines Application Approval System For Construction Bank

In today's increasingly complex financial industry environment and increasingly fierce competition,major financial industry organizations represented by China Construction Bank have gradually increased their control of public credit business,and pay more attention on the management works such as the approval of credit applications that are at the core of their financial status,such that effectively control customer risks and ensure that the credit business of this institution is operating in a healthy and stable orbit.Through the validation of its own quota application approval mechanism,China Construction Bank has fully understood the issues of inflexibility and poor coping abilities,and decided to solve the above problems by developing a credit application quota approval system.The system development process first adopted the MyBatis framework to complete tasks such as data persistence and adopted a mapping mechanism.The Spring MVC framework is mainly responsible for the logical interface layer in the technical architecture and integrates the foreground modules.The display of the page is mainly done by the view layer.The main components include the view and controller,which use common design pattern ideas.The data table management corresponding to the entity class is completed by Oracle database technology.Credit reporting management and credit approval management are core functions of the system business.In the process of quota declaration management,with the application of comprehensive credit extension and credit line applications as the representative,on the basis of newly added services,related documents are processed and additional processing is performed.In the process of business declaration management,functions such as the addition of new services,the initiation of business changes,and the review and approval of businesses can be performed.Credit approval management can handle,examine,validate and review the comprehensive credit extension,and issue and approve the final approval.The processing of credit line approvals is the central link of business approval management,including multiple approval,conclusion application,and review modes.The allocation of quotas and maintenance will be based on various factors such as the membership and branches.After the application of the system,it effectively guarantees the normality and security of China Construction Bank's credit business.The main form of the application for improvement of credit quotas has been enhanced.The management of quotas and credits has been strengthened to ensure the reasonable flow of institutional funds and other resources and enhance the ability to cope with environmental risks.In addition,on the basis of the examination and approval of carding quotas,it has standardized the business practices among the business organizations and ensured that all businesses can be carried out in a coordinated state.