The Design And Implementation Of The Credit Management System Of Agricultural Credit Cooperative

With the fast development of modern information technology, computers have been applied to every corner in the financial field. The credit management of commercial bank plays an important role in the financial business. At present, the main revenue of the banking industry in China is credit loan, which is a most important link of the development of banking business. To meet the requirement of the business management of modern commercial banks, and realize the total target to develop banking business, started from the whole credit management system of bank, a set of open, secure, efficient, and feasible scheme for credit management software system is researched and designed.The purposes and demands according to the trait of credit subsystem and the technique blue print should be firstly considered the following aspects:(1)Maintainability and Expansibility:Generally,the system's replacing and updating are modified by the server software instead of modifying the terminal software. It can simplify the work of system maintenance and is propitious to extend terminals.(2) Induction of multi-system and operating environment:To reduce the repeated work of exploitation, It should be concerted the compatibility and portability of the operating environment.(3) Stability:The running stability of system touches the development of credit service and popular bank's image because a lot of devices are connected to credit system. To ensure the system run without trouble, two-shipper strategy can be adopted.(4) Modularization and Standardization:Not to influence the whole system's flow when the operation need to extend and the protocol need to modify, It should base on the design of uniform database processing, interface of function, processing flow, operating interface, operating rule and modularizing.The system security should be carried through the whole blue print because of the openness of system.(1)No troubles occur when running 24 hours in a day.(2) The local trouble could be isolated automatically and not influence the whole system.(3)The important business data should be encrypted when transferring and storing.(4)The main data stored in database should be adopted encryption techniques to prevent the data's'improper change.(5) The system should resume the lost data automatically once some data lose.(6) The system should have the capability of defending the invading of hacker efficiently.According to the existing network structure and environment in credit cooperatives, the credit management subsystem can be realized in the model of client/server, based on UNIX, WINDOWS operating system, taking TCP/IP as basic network transfer protocol, and INFORMIX ON LINE as the core of database management system. The credit management subsystem mainly consists of three sub-modules which are communication program, server, and client. Client includes some small modules, such as role design, interface design and so on. To activate the system, original data including the occurred information of accounting matters, must be imported to database, which means the module of data import should be included in the credit management subsystem.Functions that the system can realize are as follows: centralized management of client information; management of permit business process; examination and approval of the loan; renewal of loan and strategy transformation; analysis of data; general inquiry and report output; necessary assistant and managerial function; centralization of credit business and electronic disposal.Specific functions are introduced as follows.(1)Management of customer information:Creditors are charge of inputting basic information of customers, which includes name, type and serial number of certificates, status of family and economy and so on. After inputting is finished, the serial number of customer is automatically generated by the system. Meanwhile, creditors are responsible to modify, delete and inquire basic information of customers.(2)Management of small credit loans:After such necessary information as serial number of customers, credit limit, loan term, guarantors are inputted by creditors, a serial number of contact is generated by the system automatically to be approved.. Meanwhile, creditors are responsible to modify, delete and inquire basic information of customers.(3)Farmer's co-guarantee loans:Creditors are charge of inputting the total amount and type of the contact, the serial number of customers for each member and the use of the loan, with the information of mortgage. Then a serial number of contact is generated automatically to be approved. Meanwhile, creditors are responsible to modify, delete and inquire basic information of customers.(4)Approval of loans:According to the inputted contents by creditors, higher authorities can examine and approve the business.(5) Renewal and strategy transformation:Renewal means to prolong the term of loan for some reasons when it is due. Strategy transformation means the transformation among states of the loan. States of loans include normal, concerning, subordinated, suspicious and lost. Normal state means that borrower can perform the contact, and there is no doubt that the capital plus interest can be repaid totally. Concerning state means although borrowers have the ability to pay for capital plus interest at present, some disadvantage factors exist to affect the repayment. Subordinated state means that the repaying ability of the borrower is obviously doubtful, and capital plus interest can not be totally repaid by his normal revenue. Although security is performed, the bank will also lose to some extent. Suspicious state means that borrower has not the ability to repay the total capital plus interest, and although security is performed, serious lose will also be caused. Lost state means that after all of the possible measures or necessary legal procedures are performed, capital plus interest can still not be withdrawn or can be withdrawn little.(6)Recently due loan lists:Loan list is used to inquire loans that are due recently, in which the term of loan is filled by customers themselves.(7)Normal loan lists including non-performing loans:To inquire loan lists in all states.(8)Loan lists of farmers:To inquire loan lists in all place or at all time.(9)Inquiry to loan of customers:To inquire the loan lists of the customer by the serial number of him.(10)Management of mechanism and dealer:To apply mechanism code and functions of addition, deletion, modification, inquiry of permission. To apply dealer code and functions of addition, deletion, modification, inquiry of permission and modification of dealer's password at which time original password must be supplied.(11)Maintenance of account:Mainly to recover accounts. Because plenty of data and accounts information are imported to the new system, a special function module is supplied to recover accounts. As the module can operate on accounts, special attention should be paid to Security and the control of operating permission, to avoid some accidental risks.(12)Standard data:To maintain standard data in the credit management subsystem, such as maintenance of types, interest rates and limits of loans.Therefore, the realization of credit management system played an important role in the fields of sharing information of credit customers, improving quality of loan; reducing risks of credit; accomplishing intensive and scientific management of credit business; adding the safety of credit assets; enhancing the level of credit management; standardizing business process; strengthening the scientificalness of credit forecast and decision; scientific management; reasonably applying all these information to the process of management and decision in banks.