| In recent years,China's commercial Banks have entered a critical period of transformation and development,and all commercial Banks have taken retail business as the focus of transformation and development.With the prosperity of the domestic real estate market,the domestic commercial Banks also take the residential mortgage business as the key development direction of the retail credit business.Due to the intensified homogenization of mortgage loan products of various Banks,the price war of this business is common in order to seize the market and expand the business share.In order to seize the opportunity and increase the market share,the Banks mainly focus on the business development,thus ignoring the post-loan supervision of the business.In order to effectively control potential risks,improve the post-loan management level of commercial Banks' retail mortgage loans,defuse the risk of mortgage project warrants,and establish a data-driven post-loan supervision system for commercial Banks' retail credit mortgage projects,it is an important means for commercial Banks to effectively control project risks in the incentive market competition.How to establish a timely,flexible,safe and easy to maintain post-loan supervision system has become an important subject for commercial Banks to prevent mortgage project risks.In view of the above problems,based on researching the management tools of database technology and RMP(Retail Credit Mortgage Project Post-lending Supervision System),this paper uses the actual project of a state-owned joint-stock bank as the background to analyzes the post-loan monitoring data of the company's related mortgage projects,and proposes a data-driven,personal in-house control computer user,logging in to the RMP system via TMG(Microsoft ISA product,Internet behavior management product that integrates firewall,cache,and VPN functions).Through the ESB service and enterprise data exchange platform of the bank headquarters,the system obtains the system architecture of its core data;this paper expounds the design and implementation of the post-loan supervision system of commercial bank retail credit mortgage project based on the framework;this paper introduces the system physical structure,system function construction,system function design;the system functions mainly include six functions: system management,data management,business management,post-loan management,statistical analysis,and data performance;the design and implementation of post-loan supervision system for retail credit mortgage projects are introduced in detail.The RMP system developed in this paper has been applied in a joint-stock bank,and the application shows that the system is feasible and effective.Compared with the traditional post-loan supervision system,the bank RMP system described in this paper has the following characteristics:1.Based on the data driven data warehouse architecture model,using SQL Server database,using ETL data warehouse technology,RMP system including system management,data extraction,business management,post-loan management,statistical analysis,data performance and other six functions.2.For the application of post-loan supervision,the early warning signal is set to realize the automatic push function of early warning,such as the information of handling the certificate of pledge,the balance of security deposit and the scale of project credit extension.3.The system has been applied in a state-owned joint-stock bank.Through the network,the system is connected with the core system of the head office,the application system of the head office,the office system of the head office and the external application website to collect and sort out the data of the system,eliminate unnecessary redundant data and realize resource sharing.Through relevant technologies,the functions such as data statistical analysis,business warning push,business transaction tracking and post-loan inspection of the project are realized,and the automatic monitoring of the business field is realized. |
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