The Design And Implementation Of The Credit Management System For City Commercial Banks

In recent years, with the development of social economy and the growth of their own strength, function positioning of city commercial banks only service to the local city finance has been quietly changed. Some operating on a better city commercial banks began a new round of restructuring, to further improve the corporate governance structure, the introduction of strategic investors, and then gradually develop cross-regional business. In recent years, the domestic banking industry reform, the total assets of city commercial bank increased, the rapid expansion of deposits and loans, the credit types have continued to increase. the credit system only supportting several credit business or several credit stage can’t satisfy the need,but also upgrading is extremely difficult. Purchase, research and development or purchase credit management system with appropriate modification for a city commercial bank is imminent.City Commercial Bank has its remarkable characteristics in the credit system: Because of human material and financial resources constraints, all kinds of credit business of city commercial banks is best implemented in a system. It is best to market can provide a better credit system or platform, city commercial banks through the use of relatively simple customization can be in. The credit system must cover the whole process of credit, and each credit stage can free combination form all the credit business process, such as personal credit, small business credit, bill discount.As a result of the orthodox credit system, the credit business and the flow of credit tight coupling, no hierarchical segregation in appropriate, make necessary adjustment to the credit business process will be generated when the program code hard changes, which affect the stability of the system, so that the maintenance of the system is very low. This paper introduced the workflow technology in the credit system, to realize the credit business and credit control flow separation. From the loan, extraction of various basic business components guarantee, acceptance, credit support, guarantees and commitments and other credit business, formed the basis of customer, financial, collateral, lines, products, licensing and contract services component of credit system;The flow of credit to link up the various business components, the formation of credit investigation, loan demand analysis, environmental analysis, customer analysis, loan guarantee loan project evaluation, analysis, management after loan, the loan risk classification and management of non-performing loans and other credit process stage; All the credit stage eventually complexes, the formation of the various credit business lines, reach the credit business management in an all-round way.According to the credit system construction idea, basically reached the credit business management comprehensive target, at the same time, because of all the credit data together for statistical analysis of query, provide some support for the management and leadership decision-making, better meet the construction of the city commercial bank credit system requirements.