在以信息化发展为时代背景的前提下，银行业正处在以市场为导向、以客户为中心的激烈竞争时代。怎样提高贷款 质量，减少信贷风险，实现信贷业务的集约化经营、科学化管理，如何增强信贷资产的安全性，提高信贷管理水平，规范业务流程，加强信贷预测和决策的科学性发展，是银行业面临的一个现实问题。信贷业务的发展是商业银行的主要赢利手段，也可以说是传统的核心盈利业务，重视和发展好信贷业务有助于商业银行在激励竞争中取得优势。所以大力开展商业银行信贷体系的构建，加强信贷管理具有非常重要的现实意义。
本系统是基于J2EE平台及SQL Server数据库等开发的，本文描述了商业银行信贷管理信息系统的开发过程，该系统设计的主要功能模块包括：客户信息管理模块、贷款业务管理模块、贷款利息管理模块、报表管理模块、系统管理模块。本文在充分分析商业银行贷款管理系统的结构和业务需求的基础上，按照软件工程方法，首先对系统进行了具体的功能需求分析，并使用UML面向对象建模技术，逐步给出系统的用例图，然后进行系统的总体设计，然后又针对贷款业务的各个流程、各个不同的业务分类进行模块功能进行实现，最后对本文所设计的银行信贷管理系统功能进行了逐一的测试。
本商业银行信贷管理系统的开发，有助于实现商业银行信息化向“以客户为中心”的转变，推动商业银行管理和决策信息化，全面提高商业银行的经营管理水平和风险防范水平。
关键词：商业银行；信贷管理；信息系统
With the development of information technology as the background of the times, the banking industry is in a market oriented, customer centered era of fierce competition. How to improve loan quality, reduce credit risk, realize the intensive management and scientific management of credit business, how to enhance the security of credit assets, improve the level of credit management, standardize business processes, strengthen the scientific development of credit prediction and decision-making, is a real problem facing the banking industry. The development of credit business is the main means of profit of commercial banks. It can also be said that the traditional core business, the emphasis and development of good credit business will help commercial banks to gain the advantage in the competition. Therefore, vigorously carry out the construction of commercial bank credit system, strengthening the credit management has a very important practical significance.
This system is based on J2EE platform and Server SQL database, this paper describes the development process of commercial bank credit management information system, the main function modules of the system design include: customer information management module, loan business management module, loan interest management module, report management module, system management module. On the basis of fully analyzing the structure and operational requirements of commercial bank loan management system, this paper analyzes the function requirement of the system, and uses the UML object-oriented modeling technology, and gives the system diagram. Then, the system function is realized.
The development of credit management system of the commercial bank is helpful to realize the transformation of the commercial bank information to the customer as the center, and promote the management and decision-making of commercial banks, improve the management level and risk prevention level of commercial banks.
Keywords: Rural Commercial Bank；Credit；Management System.
