The Design And Implementation Of China Merchants Bank's Credit Risk Management System

In the 1980s,with the development of China's commercial banks began to develop credit business,credit system research and development and design are also working hard,and with the national economic growth miracle,"the belt and road initiative" to promote,China's financial industry development encountered unprecedented opportunities and challenges.How commercial banks to master the first-hand customer information more effectively and quickly in the development of the market,how to provide more safe credit loans,and how to control the overall situation,sensitive to capture the risk factors that may exist in the market,improve the safety of loans,which has become an urgent problem for banks to solve.In order to better strengthen the risk monitoring system of credit management,improve the current situation of China merchants bank's credit business because of the innovation of financial credit products and ineffective supervision of bank's internal control mechanism,this paper intends to use Java J2EE technology,b/s architecture and windows technology,using SQL language for specific analysis,in order to better adapt to the needs and reality of credit risk management system.This paper deeply studies the credit management status of China merchants bank,understand the credit management business process,so as to find the problems existing in credit management of China merchants bank,and as the basic requirements of software development.The whole software development process follows the most basic principles of system development,including system practicality,module standardization,advanced programming reliability and so on.According to the system architecture,system function design and database design three steps,to complete the design of China merchants bank credit system.According to the system design scheme,the development and implementation of the system are carried out.Through J2EE,struts,three-tier architecture and other technologies,the system running environment is selected and developed.Taking into account the security and practicality of the system,focusing on the implementation of the key modules of the system,and testing the operation effect of the system.According to the final operation and test,the system design can meet the basic requirements of China merchants bank credit management,normal operation,can be put into use.