对公信贷管理系统的开发和应用

发布时间：2018-10-18 15:43

【摘要】：用户是经国务院、中国人民银行批准成立的首批股份制商业银行之一,开业二十多年来,已在全国各主要城市设立了108家分行、1435家分支机构;对外建立了网上银行、电话银行、手机银行、无线兴业和直销银行,与全球1500多家银行建立了代理行关系。2014年信贷资产规模已达到4.41万亿元。信贷业务目前仍然是用户盈利的主要业务,其电子化程度对银行经营方面的影响很大。本次为该银行建设的对公信贷管理系统依据用户对公信贷业务基本作业流程以及各专业业务作业流程而设定,是通过电子化手段实现全行企业金融授信业务发起、审批、放款、贷后管理、信息查询和综合管理等功能的系统,是信用业务操作平台和风险管理数据收集平台。系统涉及客户经理、业务助理、风险经理、有权审批人、风险分类管理岗、系统管理员等几十个角色,用户角色及权限的配置完全按照用户实际岗位、职责和权限设置,保证系统角色配置的准确性、有效性。系统根据用户对公信贷业务实际流程的发生过程,以电子化方式办理对公信贷业务作业流程中的业务申请、审查审批、信贷业务发放审核、贷后管理等流程环节,并具备客户信用评级的核心功能。系统设计基于对客户需求的充分了解进行整理和分析,从方案设计到测试,各个环节都考虑到系统的可扩展和维护问题。
[Abstract]:The users are one of the first joint-stock commercial banks approved by the State Council and the people's Bank of China. Over the past 20 years or so, they have set up 108 branches and 1435 branches in major cities throughout the country. Mobile banking, wireless SocGen and direct-selling banks have established agency relationships with more than 1500 banks around the world. Credit assets reached 4.41 trillion yuan in 2014. Credit business is still the main profitable business, and its electronic degree has a great influence on the operation of banks. The credit management system for the bank is set up on the basis of the basic operation process of the customer to the public credit business and the professional business operation process. It is designed to realize the initiation, approval, and loan of the whole bank's financial credit business through electronic means. The system of management after loan, information query and comprehensive management is the operation platform of credit business and the data collection platform of risk management. The system involves dozens of roles, such as customer manager, business assistant, risk manager, authorized approver, risk classification management post, system administrator, etc. Ensure the accuracy and effectiveness of system role configuration. According to the actual process of the customer's public credit business, the system processes the business application, examination and approval, credit business issuance audit, post-loan management and other process links in the operation process of the public credit business electronically. And has the core function of customer credit rating. The design of the system is based on the thorough understanding and analysis of the customer's requirements. From the design of the scheme to the test, the extensibility and maintenance of the system are taken into account in every link.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：TP311.52

【相似文献】