村镇银行托管信贷管理系统设计与实现

发布时间：2018-06-04 05:35

本文选题：小微金融机构 + 村镇银行　；参考：《中国地质大学(北京)》2017年硕士论文

【摘要】：村镇银行是指经银监会依据有关法律、法规批准,由国内外金融机构、国内非金融机构企业法人、国内自然人出资,在农村地域设立的主要为当地农民、农业和农村经济发展提供金融服务的银行业金融机构。村镇银行属于小微金融机构,多数村镇银行无力组织技术力量自行开发、使用、维护整套银行工作系统,多采用托管模式,既节省资源又可很好的满足工作需求。本课题正是为了更好的促进村镇银行的发展,本着为服务于央行履职,积极响应党和国家解决三农问题的决定,开发村镇银行托管信贷管理系统。争做最适合村镇银行,最符合农民、小型和微型企业、个体工商户发起贷款,突出村镇银行“小”,“快”,“灵”特色的托管信贷管理系统。村镇银行托管信贷管理系统以软件开发工程的思想作为指导,采用sybase数据库,MVC分层架构思想,MVC中的Controller层采用Struts框架,持久层框架使用iBatis框架,这两点作为主要的技术手段,部署的服务器为JBoss服务器。本系统实现了客户注册,客户基本信息录入及管理,信贷业务发起、审批及管理,报表查看等功能;系统还实现了用户,角色,机构,菜单,工作台,工作流等管理工具,提供业务定义,页面和报表定义等定义模块。能够为银行信贷人员提供贷款信息管理平台,操作人员可通过本系统对贷款客户的基本信息进行维护,对客户的贷款之前、贷款当中、贷款后期以工作流的模式进行在线科学管理。更高权限者如部门责任人或风险部门工作人员,可以对客户经理提请的工作流进行在线审查和审批,并可以进行简单的报表统计。另外本文主要从村镇银行托管信贷管理系统的前期调查研究,系统的设计,实现过程,系统的分析过程,系统的测试等几个内容着手,详细地阐述了我再实现村镇银行托管信贷管理系统的前期需求分析和设计开发。最够通过总结,详细的介绍了本系统开发过程中使用的技术和本系统的特色。最后展望了小微金融机构托管服务的发展前景以及接下来的研究方向。
[Abstract]:Village and town banks refer to local farmers who have been approved by the CBRC in accordance with relevant laws and regulations and funded by domestic and foreign financial institutions, domestic non-financial institutions as legal persons, and domestic natural persons. Agricultural and rural economic development banking financial institutions that provide financial services. The village bank belongs to the small and micro financial institution, most village bank cannot organize the technical force to develop, use, maintain the whole bank work system, adopt the custody mode, can save the resources and meet the work demand very well. This subject is to better promote the development of village banks, in order to serve the central bank, actively respond to the decision of the party and the government to solve the "three rural" issues, and develop the trust credit management system of village banks. Strive to be the most suitable for the village bank, the most suitable for farmers, small and micro enterprises, individual industrial and commercial households to initiate loans, highlighting the village bank "small", "fast", "Ling" characteristics of the trust credit management system. The management system of village bank trust credit is guided by the idea of software development engineering. The Controller layer of sybase database is based on Struts framework, and the iBatis framework is used in persistent layer framework. These two methods are the main technical means. The deployed server is a JBoss server. The system realizes the functions of customer registration, customer basic information input and management, credit business initiation, approval and management, report form checking, etc. The system also realizes the management tools such as user, role, organization, menu, worktable, workflow, etc. Provides business definition, page and report definition modules. Can provide the loan information management platform for the bank credit personnel, the operator can maintain the basic information of the loan customer through this system, before the loan to the customer, among the loans, In the later stage of loan, workflow mode is used to manage online science. Those with higher authority, such as department responsible person or risk department staff, can review and approve the workflow requested by the customer manager online, and can carry out simple report statistics. In addition, this paper mainly from the village bank custody credit management system of the preliminary investigation and research, system design, implementation process, system analysis process, system testing and so on. This paper expounds in detail the preliminary requirement analysis and design and development of the trust credit management system of village banks. Through summing up, introduced the system in detail in the development process of the technology and the characteristics of the system. In the end, the prospect and the research direction of the hosting service of micro-financial institutions are prospected.
【学位授予单位】：中国地质大学(北京)
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：TP311.52

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