| With the increasingly fierce market competition, the development of financialindustry also gradually move closer to the customer, the enterprise as the center link ofdevelopment, pay more attention to the development trend of customers. But how to getthe advantage in the fierce market competition, how to use modern technologyforecasting, computer Internet technology to track customer future planning, continuallytap the potential customer information, which are the main factors of the developmentof the banking industry. And the banks how to deal with these information system datato improve banking services, enhance market competitiveness, the prevention of creditrisk, to resolve the problem, information sharing, improve the management level ofcredit, improving credit quality, reduce credit risk, planning service process,strengthening credit prediction scientificity, credit business set to achieve intensivemanagement are needed to solve in the road of sustainable development on the bank’sproblem.In this paper, daily bank credit business process and operation flow according tothe credit risk management system, to carry on the comprehensive demand analysis.Based on the detailed design, lists the implementation the system each function moduleand interface. According to the measures for the administration of the China MerchantsBank loan, project implementation level authorization principle, in the aspect of systemdesign using a strict examination and approval procedures, standardize the creditbusiness operation, avoid operational risk. In the aspect of pricing, correlation and riskassessment system of the original investment banks, through the value of fluctuations inthe financial condition of the borrower, the history of credit, mortgage and pledge,assessment of the project credit risk, to compensate for the higher risk with high price.This system mainly realizes the online cooperative credit management, onlineexamination, online query and integration of collaborative operation. Not only is therealization of the electronic original process, more is to improve the efficiency andmanagement level, in practical applications have a good performance. |
