ã€Introduction】 Credit management system is one of the core systems of banks. Building a high-quality information system is an effective support for credit management and an important means and technical basis for credit risk analysis. System logical structure: 4. System characteristics Microfiber towels are the towels that made by 100% polyester or 80% polyester and 20% polyamide. The most features are super water absorbtion and high cleaning abilty. It can clean with only water,reusable and durable,it lasts for more than 100 times. microfibre cleaning wipes,microfiber washing cloth,microfiber clenning towels,all purpose microfiber cloth jiangsu qiyun cleaning knitting product co.,ltd , https://www.maleclean.com
Credit management system is one of the core systems of banks. Building a high-quality information system is an effective support for credit management and an important means and technical basis for credit risk analysis.
I. Overview
The system fully complies with Basel ’s new capital agreement, with customer management as the foundation, process management as the main line, and credit risk prevention as the goal. It is based on the B / S architecture, based on the standard J2EE application server architecture, uses component technology, and uses workflow technology. , Realize the electronic and automation of corporate customer credit business and personal credit business management, statistical analysis, monitoring, approval, and control, provide storage, summary, collection, and reflection of credit and related business information, and provide monitoring for operation management at all levels , Decision-making, analysis, early warning and other functions, provide sufficient information support for the innovation and operation decision of commercial bank credit business.
The system realizes the "risk control threshold forward", shifting the focus of risk control and management from the original post-loan macro analysis to the pre-loan micro-control. At the same time, the system integrates the customer's "risk assessment and risk classification" and "credit rating" throughout the entire process of the occurrence and development of all credit business, combines the customer risk rating with the debt risk rating and controls the risk of each credit, Use credit risk early warning to measure, manage and control credit asset risks. And establish a multi-dimensional data analysis model for post-loan statistical analysis and macro-control, and used to guide the pre-loan micro-control; various approval processes in the credit business to unify the operation of the credit business to avoid human risks.
Second, the design strategy
In the design of the credit management system, the following principles will be followed:
Permission flexibility
Connection compatibility
System stability
System openness
Operation friendly
Software maintainability
System scalability
System security
Three, system architecture
System network structure:
Based on the InforFlow workflow middleware of Zhongchuang software, the whole process management and control of the credit business is realized. According to the changes in the management process and organizational structure of commercial banks, the definition of credit business processes can be adjusted and modified at any time through InforFlow, or new business processes can be added to adapt to the changing management requirements of commercial banks.
Fully adopt component-based development technology, fully separate process logic and business logic, extract and encapsulate various business unit components, and the free combination of various business unit components can form business processing functions of various links in the process.
The use of advanced risk analysis and decision-making models, combined with the actual experience of the bank, to form a customer risk rating model and debt risk rating model library suitable for the characteristics of domestic commercial banks.
Comprehensive and flexible early warning mechanism, you can customize the conditions of early warning signal generation, early warning information content, early warning level; you can configure the business unit that triggers early warning. It is convenient for managers at all levels to flexibly monitor and manage risks.
Flexible and rigorous authorization and authorization management can be based on the credit rating results of credit customers, credit industry, risk of credit products, duration of credit projects, credit guarantee methods adopted by credit projects, pricing models of credit products, institutions, regions, etc. Multiple latitudes are used to define authorization and responsibility, which can be extended, defined by new latitude, and bound to authorization and authorization; authorization and authorization can be fine-tuned to a specific business person. It is convenient for the head office and branch to carry out various detailed authorization limit management, and it is convenient for the head office and branch to implement various management systems, so as to achieve the purpose of risk control.
The system provides dynamic definition and calculation of various indicators, and on this basis, customizes various types of portfolio management and portfolio management rules, and controls and manages various cross-risks through flexible portfolio management, such as regions and products, industries And terms, products and terms, etc.
Based on the Chinese reporting tool of InforReport, you can customize and deploy Chinese reports in various complex formats to meet the management requirements of banks and regulatory authorities.
Support credit decision. For the credit business of commercial banks, establish a variety of multi-dimensional analysis data models oriented to the subject, conduct multi-dimensional analysis of credit business related data, and combine advanced financial data models to further analyze and predict the data to support commercial banks' credit decision-making.
V. Business function framework 
CMIS Software Credit Management CMIS System Solution