包商银行小企业金融部信贷统分析与设计.docVIP

内蒙古工业大学本科毕业论文 摘 要 目前，银行业正处在以客户为中心、以市场为导向的激烈竞争时代，商业银行应当应用先进的计算机网络技术跟踪、预测银行客户的发展动向，最大限度地挖掘客户信息的潜在价值，并利用这些信息来改进银行服务，提高竞争能力，防范和化解信贷风险。 金融部门要使用专业的信贷管理系统将以往的单一账务管理转变为以客户为中心的信息化管理，提高信息共享化程度，提高贷款质量，减少信贷风险，实现信贷业务的集约化经营、科学化管理，这样可以增强信贷资产的安全性，提高信贷管理水平，规范业务流程，加强信贷预测和决策的科学性。 本文首先阐述了商业银行信贷管理系统的相关内容及发展现状，商业银行信贷管理系统的作用和影响，商业银行信贷管理系统目标，然后对小企业金融部信贷管理系统作了详细的分析和设计。在分析中首先对系统的需求性和可行性进行了详细的分析，在此基础上得出新系统的数据流程图，随后进行了数据字典的设计，在系统的设计中首先对系统的总体功能进行了设计，随之对各子系统的功能进行了详细的设计，各子系统的功能基本上可以满足小企业金融部日常管理的需求及客户办理贷款业务的要求。数据库的设计采用了E-R图和二维表的形式来表示，最后对系统的软硬件的配置作了选择。 关键词：商业银行；信贷管理系统；系统分析；系统设计 ABSTRACT Currently, the banking is take the customer as the center, take the market as the guidance, the fierce competition in the era of Commercial Banks should apply advanced computer network technology, prediction tracking the development trend of the bank customers, utmost ground dig the potential value of the customer information, and use this information to improve bank service, improving the competition ability, to guard against and dissolve the credit risk. The financial departments should use the credit management system of professional accounting management will ever change for the single regard customer as the center of information management, improve information sharing degree, improve quality and reduce credit risks loans, credit business of intensive management, scientific management, it will enhance the safety of credit assets, improving management level of credit, regulating the business process, strengthening credit prediction and decision-making more scientific. This article elaborates the Commercial Bank credit management system and current situation of the development of the related content, Commercial Bank credit management system, the function and the influence of Commercial Bank credit management system target. Then in small banking credit management system has made the detailed analysis and design. In this paper firstly of system requirements and feasibility are analyzed in detail, on the basis of t