商业银行信贷审批系统设计论文.docVIP

商业银行信贷审批系统的设计与实现 摘 要 信贷业务作为银行的主要业务之一，是银行电子化建设的主要组成部分。针对目前金融改革的不断深入、银行间的竞争日益激烈等现状，对商业银行的信贷管理水平提出了更高的要求。信贷审批系统，能够实现信贷业务的集约化经营、科学化管理，对增强信贷资产的安全性，提高信贷审批管理水平，规范业务流程，加强信贷审批预决策的科学性起到极大的积极作用。信贷审批系统将为今后商业银行建设数据仓库，决策分析等提供最为基础的数据。当前国外公司已经大规模进军国内市场，管理理念和流程控制经过长期实践探索有许多优点，当然因为中国的国情、法律法规不同于其他国家，国外的信贷审批系统也有许多水土不服的地方。 基于长治市商业银行的需求设计本系统。该系统针对传统信贷系统的不足，着重在技术上、业务逻辑上着手，本着“ 以客户为中心，以电子化管理为手段，以风险防范为目的 ”的设计原则，采用当今成熟稳定的 用Struts三层架构MVC模式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 Chinas 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 todays 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 appr