Oracle数据库在农发行棉花信贷管理中应用研究
发布时间：2018-07-23 16:32
【摘要】：信贷管理离不开信息技术，信息技术将大大地提升信贷管理的智能化、标准化和流程化水平。现代银行的信贷管理如果没有信息技术的支撑和保障，终将被时代淘汰。农发行引进Oracle系统软件配置为主的CM2006系统，实现了信贷业务数据的大集中，为农发行信贷业务创新、管理创新、决策支持、风险防范奠定了重要技术基础。从系统运行4年情况来看，农发行对CM2006系统的使用主要集中在规范信贷审批流程上，系统的作用发挥十分有限，尤其是大集中后的信贷数据资源还没有很好地利用，进而对防控信贷风险没有带来较大的帮助。实施CM2006是农发行科技兴行战略的重大举措，开启了信贷管理的新时代，信贷管理与信息技术的结合大大提高了农发行信贷管理水平，进一步促使农发行的企业价值回归银行风险管理的本来意义。因此，在完善以Oracle数据库为主要软件CM2006系统功能的基础上，，提高数据库的应用能力显得尤为重要。 本文着重从以Oracle9i系统软件为平台的农发行CM2006信贷管理系统在实际运用中存在的主要管理盲区为出发点，通过综合运用管理学、经济学、工程学、统计学等多学科的理论与方法，采取定性描述与定量分析相结合，提出对现行CM2006系统Oracle9i数据库软件的性能调整与优化方案。主要包括建立数据库系统性能评价指标、强化库表与查询管理、调整操作系统和优化应用程序，以此来提高对系统数据更新的约束、控制功能。同时，针对现行棉花信贷业务流程办贷程序要求高、手续繁杂的缺陷，提出对信贷管理组织架构、信贷管理制度体系等关键管理环节的流程细化，建立符合农发行业务特色的融资业务流程、棉花收购资格认定模块、贷后管理模块、大户监控管理模块以及库存管理模块，进一步完善以Oracle数据库为应用软件的棉花信贷管理系统。之后，基于库存管理在棉花信贷管理中的核心地位，提出棉花库存管理模块应满足的业务需求，并对其进行测试。本文期望建立一套贷业务与信息技术的高度融合且功能完善的具有农发行特色的系统融资业务流程，不断满足农发行对粮棉油政策性、准政策性贷款管理要求，进一步提升农发行精细化管理水平。
[Abstract]:Credit management is inseparable from information technology, which will greatly improve the level of intelligence, standardization and flow of credit management. Without the support and guarantee of information technology, the credit management of modern banks will be eliminated by the times. The introduction of the CM2006 system, which is based on the software configuration of the Oracle system, has realized the centralization of the credit business data, which has laid an important technical foundation for the innovation, management innovation, decision support and risk prevention of the credit business of the Agricultural Development Bank. From the point of view of the system running for 4 years, the use of the CM2006 system by Agricultural Development Bank is mainly focused on standardizing the credit approval process, and the function of the system is very limited, especially the credit data resources after the large-scale centralization have not been well utilized. Thus, the prevention and control of credit risk has not brought greater help. The implementation of CM2006 is an important measure in the strategy of developing the bank through science and technology, which opens a new era of credit management. The combination of credit management and information technology has greatly improved the level of credit management of Agricultural Development Bank. Further promote Agricultural Development Bank's enterprise value to return to the original meaning of bank risk management. Therefore, it is very important to improve the application ability of Oracle database on the basis of perfecting the function of CM2006 system with Oracle database as the main software. This paper focuses on the CM2006 credit management system of Agricultural Development Bank based on Oracle9i system software as the starting point, through the comprehensive use of management, economics, engineering, statistics and other multidisciplinary theories and methods. Based on the combination of qualitative description and quantitative analysis, the performance adjustment and optimization scheme of current CM2006 system Oracle9i database software is put forward. It mainly includes setting up database system performance evaluation index, strengthening database table and query management, adjusting operating system and optimizing application program, so as to improve the constraint and control function of system data update. At the same time, in view of the defects of the current cotton credit business process, such as high requirements and complicated procedures, the process of key management links, such as the credit management organization structure and the credit management system, is proposed. Establish the financing business process in line with the characteristics of Agricultural Development Bank, cotton acquisition qualification identification module, post-loan management module, large household monitoring and management module and inventory management module, Further improve the cotton credit management system with Oracle database as the application software. Then, based on the core position of inventory management in cotton credit management, the business requirements of cotton inventory management module are put forward and tested. This paper hopes to set up a set of systematic financing business process with the characteristics of Agricultural Development Bank, which is highly integrated with information technology and highly integrated, and meet the requirements of grain, cotton and oil policy and quasi-policy loan management of Agricultural Development Bank. Agricultural Development Bank to further improve the level of fine management.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：TP311.13;F832.43
[Abstract]:Credit management is inseparable from information technology, which will greatly improve the level of intelligence, standardization and flow of credit management. Without the support and guarantee of information technology, the credit management of modern banks will be eliminated by the times. The introduction of the CM2006 system, which is based on the software configuration of the Oracle system, has realized the centralization of the credit business data, which has laid an important technical foundation for the innovation, management innovation, decision support and risk prevention of the credit business of the Agricultural Development Bank. From the point of view of the system running for 4 years, the use of the CM2006 system by Agricultural Development Bank is mainly focused on standardizing the credit approval process, and the function of the system is very limited, especially the credit data resources after the large-scale centralization have not been well utilized. Thus, the prevention and control of credit risk has not brought greater help. The implementation of CM2006 is an important measure in the strategy of developing the bank through science and technology, which opens a new era of credit management. The combination of credit management and information technology has greatly improved the level of credit management of Agricultural Development Bank. Further promote Agricultural Development Bank's enterprise value to return to the original meaning of bank risk management. Therefore, it is very important to improve the application ability of Oracle database on the basis of perfecting the function of CM2006 system with Oracle database as the main software. This paper focuses on the CM2006 credit management system of Agricultural Development Bank based on Oracle9i system software as the starting point, through the comprehensive use of management, economics, engineering, statistics and other multidisciplinary theories and methods. Based on the combination of qualitative description and quantitative analysis, the performance adjustment and optimization scheme of current CM2006 system Oracle9i database software is put forward. It mainly includes setting up database system performance evaluation index, strengthening database table and query management, adjusting operating system and optimizing application program, so as to improve the constraint and control function of system data update. At the same time, in view of the defects of the current cotton credit business process, such as high requirements and complicated procedures, the process of key management links, such as the credit management organization structure and the credit management system, is proposed. Establish the financing business process in line with the characteristics of Agricultural Development Bank, cotton acquisition qualification identification module, post-loan management module, large household monitoring and management module and inventory management module, Further improve the cotton credit management system with Oracle database as the application software. Then, based on the core position of inventory management in cotton credit management, the business requirements of cotton inventory management module are put forward and tested. This paper hopes to set up a set of systematic financing business process with the characteristics of Agricultural Development Bank, which is highly integrated with information technology and highly integrated, and meet the requirements of grain, cotton and oil policy and quasi-policy loan management of Agricultural Development Bank. Agricultural Development Bank to further improve the level of fine management.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：TP311.13;F832.43
【参考文献】
相关期刊论文 前10条
1 王伦文,钟子发,张e
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