Research On The Application Of Credit Management System In Rural Commercial Banks

With the deepening of the reform of the financial system,the banks are facing more demand for credit,and the scale of credit business is expanding.But with the emergence of some new credit business,the bank's credit business system has also changed a lot.As one of the main businesses of commercial banks,credit business is also an important source of profit for rural commercial banks.It plays a very important role in commercial banks.Aiming at the credit management business of rural commercial banks,this paper analyzes the design principles of credit management system,and lays a solid foundation for the realization and improvement of the existing credit business management system of rural commercial banks.This article from the credit system needs,in two aspects of business functional requirements and nonfunctional demand as the focal point,from the demand of customer information management,loan demand,interest management demand,system management requirements and risk management needs these five aspects to analyze the functional requirements of the system,the safety and reliability system,operability,maintainability and timely response to the four aspects of nonbusiness functional requirements of the system are analyzed.On the basis of the analysis of the demand,the design of the system is analyzed.Firstly,clear the system design goal is to improve the efficiency of the management of bank credit business,based on computer hardware and software technology,the establishment of management system,streamline loan business management,the credit management system has good interactivity and maintainability of the whole.Then on the principle,operational principle,practical principle and maintenance safety based on the principle of the principle,the design of the system are analyzed,at the same time,starting from the five business functional requirements of different angle module carried out a detailed analysis of the design,timing diagram and operation process to different modules.The database of the system is analyzed,and different data tables are given according to different requirements of different modules.At the same time,a rough analysis is made on the safety design of the system.Finally,the analysis of the rural commercial bank credit business management system is summarized,and the shortcomings of the analysis and the future work are prospected.