【摘要】：信貸是商業(yè)銀行的永恒主題,如何在激烈競(jìng)爭(zhēng)的互聯(lián)網(wǎng)時(shí)代勝出,如何利用互聯(lián)網(wǎng)技術(shù)發(fā)現(xiàn)潛在客戶,如何在網(wǎng)絡(luò)經(jīng)濟(jì)時(shí)代主動(dòng)創(chuàng)新留住客戶,已成為銀行業(yè)當(dāng)前發(fā)展的主要任務(wù)。而銀行業(yè)怎樣利用計(jì)算機(jī)信息系統(tǒng)提高服務(wù)水平,增強(qiáng)市場(chǎng)競(jìng)爭(zhēng)力,提高信貸管理水平和信貸質(zhì)量,預(yù)防和減少信貸風(fēng)險(xiǎn)發(fā)生,直接關(guān)系到銀行業(yè)能否可持性發(fā)展。在互聯(lián)網(wǎng)日益發(fā)達(dá)的今天,互聯(lián)網(wǎng)金融特別是互聯(lián)網(wǎng)信貸已經(jīng)日益成為整個(gè)金融市場(chǎng)的重要組成部分。在各大電商企業(yè)紛紛介入互聯(lián)網(wǎng)信貸市場(chǎng),搶分蛋糕,擠占傳統(tǒng)銀行市場(chǎng)份額,分食傳統(tǒng)信貸利潤的時(shí)代背景下,開展電商信貸已成為商業(yè)銀行的急迫需求,而開發(fā)有別于傳統(tǒng)信貸管理系統(tǒng)的電商在線信貸業(yè)務(wù)風(fēng)險(xiǎn)管理系統(tǒng)更成為當(dāng)務(wù)之急。本文基于某商業(yè)銀行擬與某電商平臺(tái)合作開展電商在線信貸業(yè)務(wù)的需求,根據(jù)其辦理要求及操作流程,首先研究系統(tǒng)的開發(fā)背景和意義,國內(nèi)外的研究現(xiàn)狀,在充分的調(diào)研過程中詳細(xì)分析系統(tǒng)的需求,并在分析系統(tǒng)需求的基礎(chǔ)上,確定系統(tǒng)的技術(shù)架構(gòu),完成系統(tǒng)各個(gè)功能模塊的定義,采用流程圖等方式對(duì)系統(tǒng)功能進(jìn)行詳細(xì)描述和設(shè)計(jì),以及各模塊功能的實(shí)現(xiàn)。最后,本文對(duì)網(wǎng)上審批系統(tǒng)進(jìn)行了總結(jié)和展望。
[Abstract]:Credit is the eternal theme of commercial banks, how to win in the fierce competition of the Internet era, how to use Internet technology to find potential customers, how to actively create and retain customers in the era of network economy. Has become the main task of the current development of the banking industry. How to use computer information system to improve service level, enhance market competitiveness, improve credit management level and credit quality, prevent and reduce the occurrence of credit risk, is directly related to the sustainable development of banking. With the development of the Internet, Internet finance, especially Internet credit, has become an important part of the whole financial market. In the context of the times when all the major e-commerce enterprises have been involved in the Internet credit market, grabbing the cake, squeezing away the market share of the traditional banks and eating into the profits of the traditional credit, developing e-commerce credit has become an urgent demand of commercial banks. It is urgent to develop the online credit risk management system which is different from the traditional credit management system. Based on the demand of a commercial bank to cooperate with a certain e-commerce platform to carry out online credit business, according to its processing requirements and operation process, this paper first studies the development background and significance of the system, and the current research situation at home and abroad. In the process of full investigation and research, the requirements of the system are analyzed in detail, and on the basis of analyzing the requirements of the system, the technical framework of the system is determined, and the definition of each functional module of the system is completed. The function of the system is described and designed by flow chart, and the function of each module is realized. Finally, this paper summarizes and prospects the online examination and approval system.
【學(xué)位授予單位】：天津大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類號(hào)】：TP311.52

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本文編號(hào)：2265530