發(fā)布時間：2018-09-16 20:37

【摘要】：21世紀(jì),信息化已融入世界的各個領(lǐng)域,成為各個領(lǐng)域創(chuàng)新與突破的重要體現(xiàn)。在這樣的大環(huán)境下,銀行產(chǎn)業(yè)作為傳統(tǒng)的金融行業(yè),如若固守于傳統(tǒng)思維,會制約行業(yè)的發(fā)展。怎樣提升貸款品質(zhì),降低惡意貸款幾率,完成貸款過程的集中、合規(guī)經(jīng)管,如何核實貸款人資本的安全性,提升借貸在經(jīng)管中的程度,另借貸事務(wù)過程標(biāo)準(zhǔn)化,增強銀行借貸決策的合理化,成為國內(nèi)整個銀行業(yè)面臨的一個巨大問題。負(fù)債業(yè)務(wù)的收入是建設(shè)銀行的主要資金渠道來源,是支撐銀行產(chǎn)業(yè)生存與發(fā)展的核心要素。由此可見,只有將信貸業(yè)務(wù)發(fā)展壯大,才能讓銀行在激勵競爭中占有一席之地。本文中的系統(tǒng)是基于SQL Server數(shù)據(jù)庫和J2EE平臺等開發(fā)的,本文描述了建設(shè)銀行信貸管理信息系統(tǒng)的主要開發(fā)過程,該系統(tǒng)設(shè)計的關(guān)鍵模型包含:客戶信息經(jīng)營管理模型,借貸事務(wù)經(jīng)營管理模型,借貸利息經(jīng)營管理模型,報表經(jīng)營管理模型,借貸系統(tǒng)經(jīng)營管理模型。本文充分分析了建設(shè)銀行信貸管理系統(tǒng)的基本結(jié)構(gòu),按照軟件工程的理念和銀行內(nèi)部需求,從功能角度進行設(shè)計,同時,借助UML面向?qū)ο蠼＜夹g(shù),并根據(jù)設(shè)計需要,提供了使用例圖,然后對系統(tǒng)進行了總體的設(shè)計,又針對貸款業(yè)務(wù)中不同的流程以及業(yè)務(wù)分類,進行模塊功能額實現(xiàn),最后對本文所設(shè)計的建設(shè)銀行信貸管理系統(tǒng)功能進行測試。本文對建設(shè)銀行信貸管理系統(tǒng)的開發(fā),有助于實現(xiàn)建設(shè)銀行向“以客戶為中心”的一貫服務(wù)理念,推動建設(shè)銀行內(nèi)部管理和外部決策信息化,全面提高建設(shè)銀行的經(jīng)營管理水平和風(fēng)險防范水平。
[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.
【學(xué)位授予單位】：江西財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2016
【分類號】：TP311.52

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