Commercial Bank Credit Management System Design And Implementation

Credit management is the most traditional and important performance of commercial bank in China. Furthermore, its operating profit occupies the most proportion in all kinds of profits, as well as the highest risk. Therefore, the credit management is the core of commercial banks in China. And it plays an important role in achieving the economic benefit of commercial banks. The establishment of system of commercial banks'credit management can help itself become more scientific, normative and the development of credit business. In other words, the establishment of this system has a great significance in these three aspects which mentioned above.Credit Management System will use various of advanced computers and network technique,on the base of the first stage system,making a breakthrough and improving the technique and management.The application of this system will play an important role in developing credit service and managing in our bank.This system'target is to adopt data integration.To install data center in provincial branch bank,making the whole province'concentration of credit data come true and share it with others.Online gathering business data provide the technical foundation and safeguard for authentic and comprehensive reflecting property quality,keeping a lookout of property risk timely.The data's browse and inquiry can realize through Internet and web browser. according to client's basic clue will provide necessary data and technical foundation for realizing of modern bank's management model based on clients.The conception of data warehouse is using modern computer technology to deal with business data,making timely and scientific gathering analyses and forecast to reflect our bank's asset running condition.It also provides decision makers'authentic comprehensive and scientific decision basis.The merchant banks credit management system using the framework model based on Struts, is provided with a well opening to other software systems, a higher security, a good extension and a easy operation to other platforms. The utility value is well, because the system uses computers to implement both the bylaw of the credit and the requirment of the credit ,and the system system a new restricting and loan management mechanism which is using both the machine restricting.The paper analyzes the service of commercial bank credit, separates the service and flow controlling. It is practice effective for a commercial bank credit management system.