导　　师： 李毅;殷乃峰

学科专业： 081203

授予学位： 硕士

作　　者： ;

机构地区： 电子科技大学

摘　　要： 国内金融市场的全面开放,市场竞争加剧,商业银行面临巨大压力与挑战。作为商业银行的重要业务部分,信贷业务也需要适应这个变化。在传统的信贷管理方式下,信息的不完整、不确定直接导致了银行信贷资产质量的恶化,成为阻碍商业银行稳健经营和健康发展最主要的障碍之一。 为了加强在信贷业务的管理,实现信贷管理的信息化处理,把信贷规章制度和要求转化为电子化管理系统,需要建立企业级的商业银行信贷管理信息系统平台,将信贷业务的产品定义、客户信息、授信审批、贷款管理、报表输出、归档管理等功能整合起来,同时加强了客户信用评估和信贷风险预警的功能设置。 本文阐述了信贷管理系统的设计与实现的过程。信贷管理系统采用J2EE为开发平台,并按照MVC设计架构的要求指导设计,采用合理的系统结构,保证了业务流程部分与视图部分独立,降低系统的耦合度,使得系统更容易维护。在设计方面,考虑到东营市商业银行信贷业务流程的特点,在系统具体实现方式中,采用特定的设计,保证应用程序具备良好的可扩展性、灵活性和可维护性。在具体实现上,信贷管理系统部署采用了XML配置文件的方式,利用J2EE开发平台的优势优化系统数据库的访问和事务逻辑,加快系统的运行速度和系统稳定性。 东营市商业银行信贷管理系统的开发,有助于实现本行信贷业务的信息化管理,进一步加强信息技术在银行信贷业务和风险管理的应用;推动了银行管理和决策信息化的发展,全面提高银行的经营管理和风险防范水平。 The domestic finaneial market opens widely ,commercial bank faces huge pressure and chanllenge. As as important part of commercial bank, credit bussiness have to adjust to fit this change. But tranditional management of credit have lots of disadvantages such as lack of imformation, uncertainties of data, these makes the trapstone of the development of commercial bank.In order to enhance management of credit, manager all credit information, the potential risk in credit bussiness and integrated all workflows in one platform,, this paper focuses on the the design and method of a create an credit information management system for a commercial bank. This system has been designed base on the MVC architecture. This paper creates a proper system framework for this system.It separates the view and business mode of this system. Thus, the development and mantenance of this system can be simplified. All configuration for the web applications and server settings are realized by using XML files which is very easy to set and deploit. This system is developed on the J2EE platform which is stable and expansible. This paper also show the workflow to build the system as well as the workflow of software testing. Through the development and application of this credit management system can help the informatization of commercial bank. It also improves the business information and risk management of commercial bank.

关 键 词： 信贷管理 风险预警 信息管理系统 商业银行

分 类 号： [TP311.52 F832.4]

领　　域： [自动化与计算机技术] [自动化与计算机技术] [经济管理]