建设银行信贷管理信息系统设计与实现
发布时间：2018-09-16 20:37
【摘要】：21世纪,信息化已融入世界的各个领域,成为各个领域创新与突破的重要体现。在这样的大环境下,银行产业作为传统的金融行业,如若固守于传统思维,会制约行业的发展。怎样提升贷款品质,降低恶意贷款几率,完成贷款过程的集中、合规经管,如何核实贷款人资本的安全性,提升借贷在经管中的程度,另借贷事务过程标准化,增强银行借贷决策的合理化,成为国内整个银行业面临的一个巨大问题。负债业务的收入是建设银行的主要资金渠道来源,是支撑银行产业生存与发展的核心要素。由此可见,只有将信贷业务发展壮大,才能让银行在激励竞争中占有一席之地。本文中的系统是基于SQL Server数据库和J2EE平台等开发的,本文描述了建设银行信贷管理信息系统的主要开发过程,该系统设计的关键模型包含:客户信息经营管理模型,借贷事务经营管理模型,借贷利息经营管理模型,报表经营管理模型,借贷系统经营管理模型。本文充分分析了建设银行信贷管理系统的基本结构,按照软件工程的理念和银行内部需求,从功能角度进行设计,同时,借助UML面向对象建模技术,并根据设计需要,提供了使用例图,然后对系统进行了总体的设计,又针对贷款业务中不同的流程以及业务分类,进行模块功能额实现,最后对本文所设计的建设银行信贷管理系统功能进行测试。本文对建设银行信贷管理系统的开发,有助于实现建设银行向“以客户为中心”的一贯服务理念,推动建设银行内部管理和外部决策信息化,全面提高建设银行的经营管理水平和风险防范水平。
[Abstract]:In the 21 st century, informatization has been integrated into every field of the world and has become an important embodiment of innovation and breakthrough in all fields. In such an environment, the banking industry as a traditional financial industry, if adhere to the traditional thinking, will restrict the development of the industry. How to improve the quality of loans, reduce the probability of malicious loans, complete the centralization of the loan process, manage compliance, verify the safety of the lender's capital, enhance the degree of lending in the management, and standardize the process of lending. To strengthen the rationalization of bank lending decisions has become a huge problem facing the whole domestic banking industry. The income of debt business is the main source of capital of China Construction Bank and the core factor to support the survival and development of banking industry. This shows that only by expanding the credit business can banks have a place in the incentive competition. The system in this paper is based on the SQL Server database and J2EE platform. This paper describes the main development process of the credit management information system of China Construction Bank. The key models of the system design include: customer information management model. Loan transaction management model, loan interest management model, report management model, loan system management model. This paper fully analyzes the basic structure of the credit management system of China Construction Bank. According to the concept of software engineering and the internal requirements of the bank, it is designed from the perspective of function. At the same time, with the help of UML object-oriented modeling technology, and according to the design needs, The use case diagram is provided, then the overall design of the system is carried out, and the module function is realized according to the different flow and business classification in the loan business. Finally, the function of CCB credit management system designed in this paper is tested. The development of CCB credit management system in this paper is helpful to realize CCB's consistent service concept of "customer-centered", and to promote the informatization of CCB's internal management and external decision-making. The management level and risk prevention level of China Construction Bank will be improved in an all-round way.
【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：TP311.52
本文编号：2244719
[Abstract]:In the 21 st century, informatization has been integrated into every field of the world and has become an important embodiment of innovation and breakthrough in all fields. In such an environment, the banking industry as a traditional financial industry, if adhere to the traditional thinking, will restrict the development of the industry. How to improve the quality of loans, reduce the probability of malicious loans, complete the centralization of the loan process, manage compliance, verify the safety of the lender's capital, enhance the degree of lending in the management, and standardize the process of lending. To strengthen the rationalization of bank lending decisions has become a huge problem facing the whole domestic banking industry. The income of debt business is the main source of capital of China Construction Bank and the core factor to support the survival and development of banking industry. This shows that only by expanding the credit business can banks have a place in the incentive competition. The system in this paper is based on the SQL Server database and J2EE platform. This paper describes the main development process of the credit management information system of China Construction Bank. The key models of the system design include: customer information management model. Loan transaction management model, loan interest management model, report management model, loan system management model. This paper fully analyzes the basic structure of the credit management system of China Construction Bank. According to the concept of software engineering and the internal requirements of the bank, it is designed from the perspective of function. At the same time, with the help of UML object-oriented modeling technology, and according to the design needs, The use case diagram is provided, then the overall design of the system is carried out, and the module function is realized according to the different flow and business classification in the loan business. Finally, the function of CCB credit management system designed in this paper is tested. The development of CCB credit management system in this paper is helpful to realize CCB's consistent service concept of "customer-centered", and to promote the informatization of CCB's internal management and external decision-making. The management level and risk prevention level of China Construction Bank will be improved in an all-round way.
【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：TP311.52
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