Design And Implementation Of SPD Bank Credit Operation Management System

For the further implementation of censoring, more effectively control the credit risk, the second half of2013, SPD Bank decided to transfer the loan center from the risk management line to the operation line, and to establish the credit operation center, which would independently audit the implementation of loan prerequisite and the loan contract, control the use of the credit limit, centrally control the collateral warrants, manage the loan files etc.This paper expounds what the credit operation center of SPD Bank did to realize the electronic management, to solve the problem of contract preparation to improve the customer service satisfication, to meet the information submission requirement and to deal with the potential business requirements, including the construction of the credit operation management system.The construction of this system laid a solid foundation for the electronization of the credit operation and solved the tough problems, which effectively helped SPD Bank to enhance the loan efficiency, strengthened the risk control ability, reduced the operation cost, and improve the whole customer satisfaction.This paper will start from two aspects of theory and practice, and do a deep study of the construction process of credit operation management system. The paper comprehensively elaborated the system research background and significance, the present situation of domestic and foreign research, the problem needed to be solved.