Design And Implementation Of Customers Value Management System For Shandong Agricultural Bank

The informationization is the development, support commercial bank business tool to enhance the core competitiveness of banks. Commercial banks must take active measures, establish unified customer information collection, evaluation and selection system application of information technology, realizes the bank customer information management system of scientific, standardization and openness. By using database technology, strengthen the internal control of the bank, lowering the cost of internal management, effectively prevent the operation risks, to provide a scientific basis for business decisions.The world economy is in turmoil, economic development cycle shortened, further strengthen the national macro-control, the deposit reserve rate continued to rise, the market funds gradually tightening, bank spreads narrowed. In order to further strengthen the loan pricing management and optimization of credit structure, improve the loan pricing binding and comprehensive income level is the inevitable requirement of the development of the Agricultural Bank of Shandong province. In order to meet the requirements of the marketization of interest rate, strengthen the fine management of loan pricing, improve the level of risk management of Shandong Province Agricultural Bank loans, to establish the capital constraint is the core of the loan pricing mechanism, promote the sustained increase in Shandong Province Agricultural Bank credit asset profitability and return on capital levels.At present, the Agricultural Bank of Shandong Province in the analysis of customer value and credit allocation of resources, lack of pricing based on the advanced technical support and scientific. Because of the Agricultural Bank of Shandong province customers in large scale data acquisition, large amount of information, manual management mode, poor timeliness, fine degree is low, to the advanced management tools to conduct a systematic evaluation of the Agricultural Bank of Shandong province and the management of customer.This paper introduces the present situation of Shandong agricultural bank customer value management, analysis of the bank customer value management, through to the Shandong agricultural bank customer value management business needs analysis, design the overall functionality of the system planning. In the functional layer facing the specific modules of the detailed design, at the database level, the data table structure design, in the technology level, the open source J2EE lightweight frame (Spring+Hibernate+JSF) and related technologies are described in detail, and the completion of the system...