Design and Implementation of Commercial Bank Credit Approval System
Abstract
Credit Business credit as one of the main banking business, is the main component of e-banking construction. According to the deepening of current financial reform and the increasingly fierce competition among banks, commercial bank credit management demands a higher level. Credit approval System can achieve intensive and scientific management of the credit operations, play an active role in the enhancement of credit assets security, improvement of credit approval level，criterion of business management processes, and the enhancement of credit pre-approval scientific decision. In the future credit approval system will provide the most basic data in the building of data warehouse and decision Analysis for the commercial bank. Now foreign companies have already entered into the domestic market in a large-scale. Because of China's national conditions, laws and regulations different from other countries, foreign credit approval system has many unfamiliar places at the same time.
We design this system based on the needs of commercial banks of Changzhi city. In view of the lack of traditional credit system, we focus on the technology and the business logic, use today's mature Struts MVC model three-tier structure with the principle of “Customer First, Electronic management, And Risk Prevention”, and provide a strong, flexible, effective solution to deal with bank credit approval business management. System full covers of bank credit approval procedure, focus on a variety of information related to loans, achieves integrated management of business credit approval.
This paper introduces the source of issue, the significance of study, present condition, summarize system requirement, expound the infrastructure of system, Then this paper introduces the whole process of develop and design in detail from aspects of develop environment, database design, system framework, flow control, model design. Furthermore, we will discuss some key technique used by this system.
