Design And Application Of Non-performing Loans Of Rural Credit Cooperatives County Ledger Management System

In recent years, rural credit cooperatives gradually digested by the joint-stock reform ofdepth and historical burden, peel doubtful loans, non-performing loan rate has droppedsignificantly. Each year, the county is about to start the restructuring of rural creditcooperatives County Rural Commercial Bank. However, a larger base of non-performingloans, drop difficulties. NPL ratio, loss reserve adequacy ratio, key risk indicators provisioncoverage ratio, capital adequacy ratio, the distance is still a wide gap between regulatorystandards. County rural credit cooperatives must establish a robust and comprehensivemanagement system of bad loans, timely diagnosis of problem loans, non-performing loansto curb accelerating the disposal of non-performing loans. Therefore, non-performing loansof rural credit cooperatives county ledger management system construction of this study hasimportant strategic significance.This paper discusses the design of non-performing loans of rural credit cooperativescounty ledger management system. This article first defines non-performing loans,non-performing loan management are three important concepts and NPL management system,followed by non-performing loans of rural credit cooperatives in the county ledgermanagement system requirements and the overall analysis. The overall framework includingthe management of non-performing loans, compliance operating procedures, management ofnon-performing loans statistical reports, analysis of non-performing loan assets, basiccustomer information management, early warning and performance appraisal bad loans andother functions, and finally, the paper of county poor rural credit cooperatives Loan ledgermanagement system database design, database naming primarily main interface structure andsystems with specific functions. Poor rural credit cooperatives county ledger systemfunction module is designed to be the focus of this article. The actual analysis of thedeparture from the business workflow county ’s rural credit cooperatives, credit managementdepartment conducted in-depth research, combined with the characteristics of theinformation system of rural credit cooperatives, based on the business process of softwareproject management made bad loans ledger system-specific solutions. System helps countyrural credit cooperatives in solving management problems of bad loans and improve staffefficiency aspects of grassroots credit cooperatives have meaning.