Design And Implementation Of Commercial Bank Retail Credit Management System Based On J2EE

Under the background of the extremely flourishing era of high-tech industry,the new technology industry is slowly replacing the previous solid industrial structure.As the financial bank of the giants of the physical industry is under the impact of this technological storm,it is also difficult to avoid being transformed and overturned.The credit bank under the retail model is a new financial banking model born under the impact of this high-tech storm.Compared with traditional banks,the financial model of the retail model is still very prominent.Under the retail model,the banking system can better control the bank's capital flow and avoid the “bad debt bad” dilemma.The retail financial bank can also increase the profitability of the bank's operating economic amount,allowing the bank to obtain more through better operations.For a considerable economic income,these economic incomes are further invested in the bank's own operations,so that the more you earn,the faster the capital flows,the faster the capital turnover,and the more profitable,this "win-win situation."The paper introduces the financial bank credit management system based on the J2 EE framework retail model can be said to be the "leader" of the online financial banking in today's society.The author first comprehensively analyzed the development model and the degree of glory of financial banks before the 21 st century,and then compared the development status of online financial banks under the 21 st century.The retail management credit management system can be divided into three phases if it is divided into phases through different operating periods: the pre-lending phase,the loan-in-lending phase,and the post-lending phase.This dissertation focuses on the detailed introduction of the pre-lending stage and the lending stage of the previous two phases.The middle stage of the loan is the core of this credit management system.In the pre-lending stage,a comprehensive understanding of the user's personal information is required.Because the core function of the credit management system under the retail model is the risk assessment budget function,the most important part of this function is the loan customer's various personal information and related reputation information.After obtaining this information,the risk assessment module can pass it.The intrinsic core algorithm carries out risk assessment of related loans.The loan stage will be professionally introduced in the next chapters.