The Research And The Realization For Individual Entrusted Loan Accounting System

Entrusted Loan a new type of credit lending business is business, is bygovernment departments, enterprises, institutions and individual clients tofinance, from bank loans according to the client to determine the object,purpose, amount, term, interest rates paid on behalf of, monitoring use andassist in the recovery of loans, banks charge fees only, not assume the creditrisk of loans, banks in the client and play an intermediary role betweenlenders.According to the requirements of the new financial accounting system,Commercial Banks Entrusted Loan business will be transferred to theaccounting balance-sheet activities, in order to meet the individualentrusted loans, commercial banks, business development needs, in order toprovide system support for business expansion, this topic primarily loansto individuals entrusted to the accounting system. The design, developmentand testing were discussed. The system was achieved primarily adhere to theprinciples of customer-centric, in the policy allows the conditions, toprovide customers with convenient and secure financial services. To enhanceawareness of prevention of credit the wind, system design should give fullconsideration to market risk, credit risk, liquidity risk and operationalrisk, ensure the safety of the business running smoothly.Textual goal is to achieve individual housing provident fund loans and othertypes of lending operations commissioned by the issuance, repayment and otherbusiness and household accounts and personal details to accounting andmanagement; handling the transfer of accounting and repayment of the loanbusiness; support multi-fund center or commission of the main accounting andmanagement, the right draw and the imputation funds entrusted; to achievereal-time on-line fund center, volume business processing; to achieve washed monthly repayment fund functions; to achieve entrusted loan fee incomemanagement and accounting functions; Support central provident fund or otherdiscount deal with the subject; to provide comprehensive, multi-functionalfeatures such as information retrieval functions. Individual housing loansthrough the overall system upgrade, to achieve personal loan business,provident funds and entrusted loan business accounting and managementfunctions.This system is commissioned the nature of the existing housing financesystem, based on the business processing to a new generation of consumercredit accounting system and the PCM2003 system design ideas as a guide, thenew Personal Entrusted Loan accounting management system. To achieve avariety of new services and business processing system, to achieve theparameters of the system, information recorded in standardized achievementstructured modular design. Personal Entrusted Loan-balance-sheet accountingoperations will greatly enhance the commercial bank personal loan businesscompetitiveness.