The Design And Implementation Of Customer Risk Statistical Report System And Shanxi Agricuitural Credit Cooperatives

The control management of customer quality plays an important role in the working system of in the financial institutions.Through the processing and analysis of various types of statistical statements,institutions have detailed understanding of the current business condition of clients,so as to effectively grasp the quality level of subordinate client resources.Shanxi Rural Credit Cooperative attaches great importance to this work and adopts a series of measures to grasp the quality of clients and ensures good quality of their subordinate client resources.Due to the variety of related business data,the traditional statistical analysis model has completely failed to meet the requirements of the institution.Therefore,Shanxi Rural Credit Cooperative decides to develop the client risk statistical reporting system.The system mainly take MVC model and SSH framework as the main technologies.The framework technology adopted is formed by the integration of lightweight frameworks such as Struts,which can comprehensively dealt with common business processing,page information display,and other services.It has good coordination,and the framework includes many types of components that can be responsible for each sub-task.Oracle 11g database is a typical representative at the data management level to ensure that business data is running in a secure environment.The system mainly implement the functions of holding company data management and public business management.In the loan business data management,the core is information management of off-balance-sheet business details.The processing of information on corporate bonds and stock equity details is completed in holding company data management.Group client data management implements the data processing of actual controller,member list,early warning rating and relation of associated group.The core processing tasks of single corporate client data management are listing condition,affiliated person information,and financial indicator.Public business management involves the processing tasks of related business assurance and collateral situation.Personal default situation mainly include information of default loan and collateral situation.In the process of processing the above-mentioned business information,the adopted modes and methods include entry,modification and so on.After the application of the system,it has effectively promoted the informationization process of the Shanxi Rural Credit Cooperative in the management of customer risk statistical statement.Based on the summary of business data type,the business areas that need to be handled are clarified,and the statistics tasks of risk data are stipulated.The rural credit cooperative can fully grasp the actual operation of their clients and make a reasonable assessment of their risks,which help them to optimize their client resources.