Design And Development Of Credit Risk Management System For Small And Medium-sized Banks

Under the effect of market economy,commercial banks,especially small and medium-sized banks,can be summed up as a special industry with high risk and high debt,which is based on credit and mainly deals with money lending and settlement.This special attribute determines the importance of credit risk management to the banking industry.At present,the credit risk faced by small and medium-sized banks is more complex and concrete.Only by establishing a sound and effective credit risk management system,the level and ability of credit risk management can be continuously improved.Only then can the bank realize the sustainable development and lay the foundation for the realization of the goal of maximizing the interests of shareholders.Therefore,the build is suitable for the middle The credit risk management system with the characteristics of small banks has become a subject highly valued by all parties.The first chapter analyzes the research background,purpose,train of thought and content of credit risk management system of small and medium-sized banks.The second chapter introduces the mode,system and key technology of credit risk management in small and medium-sized banks.It expatiates the key technologies from MVC technology,EJB technology and database technology.The third chapter analyzes the requirements of the credit risk management system of small and medium-sized banks from the requirements acquisition,system functionality and non-functional requirements,including the public part and the customer,rating,quota management requirements.The functional requirements of the system include loan survey,review and post-loan management.Chapter IV The structure and design of the credit risk management system of small and medium banks.Based on the analysis of the functional requirements of the credit risk management system of small and medium-sized banks,the overall structure and the detailed functional module design scheme of the credit risk management system of small and medium-sized banks are constructed.Customer information management,credit application,contract management,collateral management and other functional modules;The fifth chapter mainly analyzes the key function realization of the credit risk management system module of the small and medium-sized banks,and explores the key function realization from the aspects of login security,business approval,credit rating and so on the basis of setting up the system development environment.Chapter 6: test environment,scheme,system function and performance Try several aspects to analyze the credit risk management system of small and medium-sized banks system test.The research in this paper can help to improve the working level of banking credit risk management,realize the perfection of bank management,and promote the comprehensive promotion of credit risk management system.