Design And Implementation Of SME Loan System In Commercial Bank Credit Business

Commercial banks have always attached importance to the development of corporate credit business.SMEs are an important component of the national economy and play an increasingly important role in the entire economic system.The diversity of credit demand brought by the scale of customers,the credit system for small and medium-sized enterprises.The level of differentiation and individualized management of enterprises puts forward higher requirements.Based on the existing credit system of commercial banks,this paper combines the ideas of existing customer management systems,fully fits the risk approval process,and designs and implements the company.The function of the SME lending module in the credit management system.This paper first uses the unified software development process,UML as the analysis design language,adopts J2 EE multi-layer design architecture,emphasizes confidentiality and strict authority control,and finally determines the need for withdrawal review and subsequent supplementary materials including the original SMEs.The process of transformation,the addition of data correction process and the function realization of the Chongzheng review process,so that the entire system in the SME lending module improves the risk integration,process correction,grading audit and other aspects of further integration and optimization,fully consider the system's extension Sexual demand,clear and improved SME lending module has withdrawal approval,follow-up supplementary materials,new data correction and correction.Then select the timing diagram,flow chart and interface diagram to show the design and implementation of the system's withdrawal approval,follow-up supplementary materials,new data correction,correction and audit assistance,and parameter maintenance.The component-based methodology and The entire process of implementation of the reuse framework.The visual component is used to assist the system in fulfilling the functional requirements,so that the system has functions suitable for various environments.In this way,it effectively realizes the risk prevention in the withdrawal approval function module,supervises the problem after the subsequent supplementary material module is solved,solves the post-lending data correction problem in the new data modification module,and effectively simplifies the process in the flushing review process.Complex problems.Finally,the system is tested.In the functional test section,the test results of each functional module aresummarized,including withdrawal approval,follow-up supplementary materials,new data correction,and correction.At the same time,the content of the system performance part is tested by load.,stress testing,and stability testing.The test results show that the development of system functions and performance is expected.This article tests the company's credit management system after the development of the loan module,through functional and performance testing,fully demonstrates that the system can meet the needs of business operations.Efforts were made to realize the process of risk approval,and the functional improvement of the SME lending module of the bank credit management system was initially realized.