Cross Verification Of Small Micro Loan Liability For Credit Cooperative In Rural Areas

Small and micro enterprises refers to the customer in line with the Ministry of industry and information technology, National Bureau of statistics, national development and Reform Commission, Ministry of Finance issued in June 18,2011, the small and medium enterprises designated standards of business customers, individual industrial and commercial households or with business entities of the natural person. Small micro credit refers to the small and micro enterprise credit business. Because of the small and micro enterprise credit demand has a short, small, frequent and urgent features, its small, short-term, decentralized characteristics more similar to the retail loans. They are more scientific and more scientific.At present, China’s commercial banks for small and micro enterprises credit assessment and audit standards or large and medium-sized enterprise related indicators as a reference, this non differentiated credit management mode on the one hand, the majority of small and micro enterprises are difficult to meet the standard of bank lending, small and micro enterprise loans difficult phenomenon is becoming more and more serious. On the other hand, there is no full consideration of the characteristics of the development of small and micro enterprises, it is difficult to fully reflect the real risk of small and micro enterprises.This paper is aimed at the main customer groups-small and micro enterprises in rural credit cooperatives. For most of Small and micro businesses can not provide normative statements, or no statements, how will the customer manager in the survey data obtained by cross validation method, such as the common view to view the credit system, credit system, check the IOUs, check the Bank of water, water, electricity bills, check, payroll check, purchase and sale contract, receipt, Chukuchan sales invoice, check, inspect, ask the downstream customers, colleagues, asking workers to cross examine the debt structure, Small and micro businesses and real data on the basis of the accounting equation model and other methods, in order to identify Small and micro businesses liabilities of true and false information, avoid making mistakes caused by the asymmetric information, reduce loan risk.Firstly, this paper introduces the theory and technology of system development, including the development of the system, the comparison of C/S and B/S, the database access control technology; then the system needs analysis according to the business needs, and then the system architecture and system core function are designed. Finally, the system is realized by JSP programming based on J2EE platform.In this paper, a cross validation platform of small and micro credit cooperatives in rural credit cooperatives, Tai’an City, to meet the requirements of rural credit cooperatives in the local small and micro credit loans to the debt of the debt.The analysis method of the cross check has changed the situation that only collects the information from the customers in the past loan investigation, and has opened up a number of information, and the pattern of the three-dimensional information collection. Cross check not only can solve the most basic customer information real problem, but also can be used to credit decision-making and credit checks and other credit process links. Micro credit technology will promote the implementation of the Tai’an rural credit cooperatives to achieve a comprehensive credit management, accelerate the product innovation of small and micro enterprises, to achieve the quality of management and customer management to enhance the full significance.The system was tested and proved to meet the design requirements. This paper designs and realizes the cross validation platform of small and micro credit cooperatives in rural credit cooperatives, which can be used to construct a similar evaluation information system.