Design And Implementation Of Qualification And Collateral Management Information System For Rural Credit Cooperatives

Banks provide financial services for enterprises or individuals.Loans are one of the main businesses.To ensure their own interests and reduce risks,banks need to pledge goods.In the process of pledges,pledges The evaluation of the value of the object is very important.If the assessment is too high,it may bring risks to the bank.If the assessment is too low,it will affect the interests of the bank customers.In the traditional collateral collateral management process of the Rural Credit Cooperative(Rural Commercial Bank)**branch,the pledge evaluation and contract management,and the warehousing management are all done manually,without any technical information system,often due to credit.If the business personnel do not understand the pledge or the management is not in place,the evaluation results may be inaccurate or the management of the collateral may be confusing.In order to further strengthen the scientific and information management of the collateral and collateral,and solve the problems in the management process of the collateral and collateral,the initial research and development of the collateral collateral management information system of the rural credit cooperatives was completed.The main contents are as follows:First of all,it analyzes the current management status of the collateral collateral of the rural credit cooperatives,determines the existing problems,and proposes solutions based on the problems.Secondly,the users involved in the management process of the collateral and collateral are mainly classified into:basic maintenance administrators,evaluation administrators,warrant administrators,evaluators,contract administrators,system administrators,etc.,using the use case diagrams for these users.The needs of the analysis are analyzed to derive the functional requirements of the system:basic maintenance management,assessment management,warrant management,and loan contract change management.**Rural credit cooperatives(rural commercial banks)**The amount of credit business is large,with an average monthly cost of about 350.Therefore,the system needs 7*24 hours of continuous and stable service delivery,and the average response time is controlled within 1 s.Then,according to the actual situation,the logical design,physical architecture,functional architecture,core functional modules and database of the system are described in detail.Finally,using Java language,MVC design pattern and Oracle 12c database technology to program the bank collateral management information system,build the implementation environment,sub-module programming,different modules interact through the form of interface.In the process of programming implementation,the system is unit tested,and the modules passed through the test are integrated into the interface to perform system testing to ensure the integrity and standardization of the entire system.Through the research and development of the system,the systemization of business processing is well realized,replacing the traditional manual management mode,and avoiding many mistakes caused by manual management.In the whole process of business processing,a workflow mechanism is introduced,which can customize the workflow according to the management process of the credit cooperative,and improve the scalability and adaptability of the system.The system integrates every link of the quality control and collateral management,realizes the dynamic tracking management of the whole life process of the collateral and collateral,can realize the risk assessment and control,and improve the risk resistance ability of the credit cooperative.Through the pilot use of the system in the rural credit cooperatives(rural commercial banks)**,the efficiency of the management of the collateral and collateral is improved,and the internal resources and external resources can be concentrated to jointly complete the evaluation of the value of the goods and reduce the agriculture.Credit business credit risk.It realizes the intelligent and scientific management of the warehousing and warehousing,and the research and development of the system has very important application value,which can provide reference for the information construction of other branches of rural credit cooperatives(rural commercial banks).