徐州银行授信后管理系统设计与实现

发布时间：2018-10-17 17:26

【摘要】：徐州银行的授信后管理系统,是针对该银行强化贷后管理业务能力、完善信贷业务管理平台的要求而开发的管理软件。结合具体的业务现状及要求,该系统着重从强化贷后管理的过程性能力着手,本文以此为基础从软件工程的角度较详细论述了需求分析、设计、实现和测试等工作内容。在需求分析方面,本文论述了该软件的资金流向管理,授信后检查功能和专项检查管理功能。这些功能有助于管理者判定是否存在违约风险和其他潜在的业务操作性风险,为识别可能导致偿贷能力发生变化的各类因素提供数据分析的支持。本文给出了较上述功能为详细的需求分析,建立了用例模型,并进一步完成了设计方案和程序实现。在系统开发方面,徐州银行授信后管理系统的软件采用多层架构对功能单元进行组织,在总体上的逻辑层次有视图管理层、业务处理层和数据管理层。针对该软件架构内的功能单元调用关系和功能特点,采用基于软件对象的设计方法构建该软件的内部设计方案。这些对象主要有授信账户类对象、客户授信业务信息类对象、贷款资产信息管理类对象、授信结算类信息管理对象、客户财务状况评估管理类对象等。通过合理的对象设计,使软件总体建立在逻辑稳定的架构框架上,同时对业务处理方式在局部层次上的变化、更新和优化具有稳定的适应能力。该软件的设计和实现,强化了信贷业务的长期化管理和过程性管理能力,并通过定量的业务数据分析和评测,有助于各类隐含的风险因素显性化,使管理层能够明确认知当前信贷资产的风险水平和范围,因此该软件较好地满足了该银行完善贷后管理的业务要求,达到了预期的开发目的。
[Abstract]:The post-credit management system of Xuzhou Bank is a management software developed for the bank to strengthen the ability of post-loan management business and improve the requirements of credit business management platform. Combined with the actual business situation and requirements, the system focuses on strengthening the process ability of post-loan management. Based on this, this paper discusses the requirements analysis, design, implementation and testing in detail from the point of view of software engineering. In the aspect of requirement analysis, this paper discusses the fund flow management, post-credit inspection and special inspection management of the software. These functions help managers determine whether default risk and other potential operational risks exist, and provide data analysis support for identifying various factors that may lead to changes in repayment capacity. This paper presents a detailed requirement analysis compared with the above functions, establishes a use case model, and further completes the design scheme and program implementation. In the aspect of system development, the software of Xuzhou bank post-credit management system uses multi-layer structure to organize the function unit, and the overall logical level includes view management layer, business processing layer and data management layer. According to the function unit call relation and function characteristic in the software architecture, the internal design scheme of the software is constructed by using the design method based on the software object. These objects include credit account object, customer credit business information object, loan asset information management object, credit settlement information management object, customer financial status evaluation management object and so on. Through reasonable object design, the software can be built on the framework of logical stability, and it has the ability to adapt to the change, update and optimization of the business processing mode at the local level at the same time. The design and implementation of the software strengthen the long-term management and process management ability of credit business, and through the quantitative analysis and evaluation of business data, it is helpful for all kinds of implicit risk factors to become explicit. The management can clearly understand the risk level and scope of the current credit assets, so the software can meet the business requirements of the bank to improve the post-loan management, and achieve the expected development purpose.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：TP311.52

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