| With the development of our society, rural credit cooperatives have been restructured to be rural commercial banks, which orientations are much higher, in Guangdong Province these years. In the meanwhile, the credit business in rural commercial banks has appeared more and more abundant and become the crucial part of the restructuring. The credit business requires more simplification, convenience and precision. In this way, the current artificial tools of analysis and accounting in rural credit cooperatives can’t meet the satisfaction of the development in credit business. Considering all the facts in our society, customer managers have the opportunities to use fake collaterals to defraud loans in some cases, causing a large amount of loss.In order to improve the abilities of the credit business and the qualities of collaterals, the research of a reliable management system is quite essential to theoretical and practical significance. This system is designed to set the assessors to check the authenticity of the collaterals and supervise the behavior of customer managers. The staff in the department in charge of mortgage registration or sent to this department by banks are granted to be assessors. Together with the registration of real estate, the banks negotiate with the department in charge of mortgage registration in advance. After the mortgage registration, the assessors login in this system and check the collaterals to make sure of high authenticity. It avoids the fake behavior of customer managers and offers the great convenience to trace the loans.This new credit management system is based on investigations, researches and deep analysis in the model of credit business. This system integrates all parts of credit business, including accounting management, maintenance for loans, query for loan information, investigations of loans, contract management, post-loan management, danger classification and asset preservation, etc. It focuses on contract management, post-loan management and collaterals check to guarantee the authenticity of collaterals. In a word, this paper illustrates the new credit management system in sub-branch of rural commercial banks with.NET, Microsoft Visual Studio, Microsoft SQL Server. |
