【摘要】：信貸管理離不開信息技術(shù)，信息技術(shù)將大大地提升信貸管理的智能化、標(biāo)準(zhǔn)化和流程化水平�，F(xiàn)代銀行的信貸管理如果沒有信息技術(shù)的支撐和保障，終將被時(shí)代淘汰。農(nóng)發(fā)行引進(jìn)Oracle系統(tǒng)軟件配置為主的CM2006系統(tǒng)，實(shí)現(xiàn)了信貸業(yè)務(wù)數(shù)據(jù)的大集中，為農(nóng)發(fā)行信貸業(yè)務(wù)創(chuàng)新、管理創(chuàng)新、決策支持、風(fēng)險(xiǎn)防范奠定了重要技術(shù)基礎(chǔ)。從系統(tǒng)運(yùn)行4年情況來看，農(nóng)發(fā)行對(duì)CM2006系統(tǒng)的使用主要集中在規(guī)范信貸審批流程上，系統(tǒng)的作用發(fā)揮十分有限，尤其是大集中后的信貸數(shù)據(jù)資源還沒有很好地利用，進(jìn)而對(duì)防控信貸風(fēng)險(xiǎn)沒有帶來較大的幫助。實(shí)施CM2006是農(nóng)發(fā)行科技興行戰(zhàn)略的重大舉措，開啟了信貸管理的新時(shí)代，信貸管理與信息技術(shù)的結(jié)合大大提高了農(nóng)發(fā)行信貸管理水平，進(jìn)一步促使農(nóng)發(fā)行的企業(yè)價(jià)值回歸銀行風(fēng)險(xiǎn)管理的本來意義。因此，在完善以O(shè)racle數(shù)據(jù)庫為主要軟件CM2006系統(tǒng)功能的基礎(chǔ)上，，提高數(shù)據(jù)庫的應(yīng)用能力顯得尤為重要。 本文著重從以O(shè)racle9i系統(tǒng)軟件為平臺(tái)的農(nóng)發(fā)行CM2006信貸管理系統(tǒng)在實(shí)際運(yùn)用中存在的主要管理盲區(qū)為出發(fā)點(diǎn)，通過綜合運(yùn)用管理學(xué)、經(jīng)濟(jì)學(xué)、工程學(xué)、統(tǒng)計(jì)學(xué)等多學(xué)科的理論與方法，采取定性描述與定量分析相結(jié)合，提出對(duì)現(xiàn)行CM2006系統(tǒng)Oracle9i數(shù)據(jù)庫軟件的性能調(diào)整與優(yōu)化方案。主要包括建立數(shù)據(jù)庫系統(tǒng)性能評(píng)價(jià)指標(biāo)、強(qiáng)化庫表與查詢管理、調(diào)整操作系統(tǒng)和優(yōu)化應(yīng)用程序，以此來提高對(duì)系統(tǒng)數(shù)據(jù)更新的約束、控制功能。同時(shí)，針對(duì)現(xiàn)行棉花信貸業(yè)務(wù)流程辦貸程序要求高、手續(xù)繁雜的缺陷，提出對(duì)信貸管理組織架構(gòu)、信貸管理制度體系等關(guān)鍵管理環(huán)節(jié)的流程細(xì)化，建立符合農(nóng)發(fā)行業(yè)務(wù)特色的融資業(yè)務(wù)流程、棉花收購資格認(rèn)定模塊、貸后管理模塊、大戶監(jiān)控管理模塊以及庫存管理模塊，進(jìn)一步完善以O(shè)racle數(shù)據(jù)庫為應(yīng)用軟件的棉花信貸管理系統(tǒng)。之后，基于庫存管理在棉花信貸管理中的核心地位，提出棉花庫存管理模塊應(yīng)滿足的業(yè)務(wù)需求，并對(duì)其進(jìn)行測(cè)試。本文期望建立一套貸業(yè)務(wù)與信息技術(shù)的高度融合且功能完善的具有農(nóng)發(fā)行特色的系統(tǒng)融資業(yè)務(wù)流程，不斷滿足農(nóng)發(fā)行對(duì)糧棉油政策性、準(zhǔn)政策性貸款管理要求，進(jìn)一步提升農(nóng)發(fā)行精細(xì)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.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：TP311.13;F832.43

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 王倫文,鐘子發(fā),張e

本文編號(hào)：2139987