發(fā)布時(shí)間：2018-01-03 01:32

  本文關(guān)鍵詞：縣域農(nóng)村信用社不良貸款臺(tái)賬管理系統(tǒng)的設(shè)計(jì)與應(yīng)用　出處：《湖南大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 農(nóng)村信用社 不良信貸資產(chǎn) 管理系統(tǒng) J2EE

【摘要】：近年來農(nóng)村信用社因股份制改革的深入進(jìn)行和歷史包袱的逐漸消化、剝離可疑類貸款，不良貸款率已大幅度下降。今年各縣域即將啟動(dòng)縣域農(nóng)村信用社改制為農(nóng)村商業(yè)銀行。但不良貸款基數(shù)較大、壓降困難。不良貸款率、損失準(zhǔn)備充足率、撥備覆蓋率、資本充足率等主要風(fēng)險(xiǎn)指標(biāo)，距離監(jiān)管標(biāo)準(zhǔn)仍有較大差距�？h域農(nóng)村信用社必須要建立穩(wěn)健且完善的不良貸款管理體系，及時(shí)診斷問題貸款，遏制不良貸款余額，加速不良貸款的處置。因此，，本文研究的縣域農(nóng)村信用社不良貸款臺(tái)賬管理系統(tǒng)建設(shè)具有重要的戰(zhàn)略意義。 本文主要探討的是縣域農(nóng)村信用社不良貸款臺(tái)賬管理系統(tǒng)的設(shè)計(jì)。本文首先界定不良貸款、不良貸款管理和不良貸款管理系統(tǒng)三個(gè)重要概念，其次對(duì)縣域農(nóng)村信用社不良貸款臺(tái)賬管理系統(tǒng)進(jìn)行需求和總體分析。系統(tǒng)總體框架包括對(duì)不良貸款的管理、合規(guī)操作流程，不良貸款統(tǒng)計(jì)報(bào)表管理、不良貸款資產(chǎn)分析、客戶基本信息管理、不良貸款的預(yù)警和績效考核等功能，最后，本文對(duì)縣域農(nóng)村信用社不良貸款臺(tái)賬管理系統(tǒng)進(jìn)行數(shù)據(jù)庫設(shè)計(jì)，主要是數(shù)據(jù)庫命名規(guī)則、結(jié)構(gòu)及系統(tǒng)的主界面與具體功能�？h域農(nóng)村信用社不良貸款臺(tái)賬系統(tǒng)功能模塊的設(shè)計(jì)是本文的重點(diǎn)。從業(yè)務(wù)實(shí)際分析出發(fā)對(duì)縣域農(nóng)村信用社信貸管理部門的工作流程進(jìn)行了深入研究，結(jié)合農(nóng)信社的信息系統(tǒng)特點(diǎn)，基于業(yè)務(wù)流程軟件項(xiàng)目，提出了不良貸款臺(tái)賬管理系統(tǒng)特有的解決方案。系統(tǒng)有助于縣域農(nóng)村信用社在解決不良貸款的管理問題和提高基層信用社工作人員的辦事效率方面都有意義。
[Abstract]:In recent years, due to the deepening of the reform of the shareholding system and the gradual digestion of historical burdens, rural credit cooperatives have stripped off suspicious loans. The non-performing loan rate has dropped by a large margin. This year, counties will soon start the transformation of county rural credit cooperatives into rural commercial banks. However, the base of non-performing loans is large and the pressure is difficult to drop. There is still a big gap between the main risk indicators such as reserve coverage, capital adequacy ratio and supervision standard. County rural credit cooperatives must establish a sound and perfect management system of non-performing loans and timely diagnose problem loans. Therefore, it is of great strategic significance to study the construction of non-performing loan management system of county rural credit cooperatives. This paper mainly discusses the design of non-performing loan management system in county rural credit cooperatives. Firstly, this paper defines three important concepts: non-performing loan, non-performing loan management and non-performing loan management system. Secondly, the county rural credit cooperatives non-performing loan management system needs and overall analysis. The overall framework of the system includes the management of non-performing loans, compliance operation process, non-performing loan statistical report management. Non-performing loan assets analysis, customer basic information management, non-performing loan warning and performance evaluation functions. Finally, this paper carries on the database design to the county rural credit cooperatives non-performing loan management system. Mainly database naming rules. Structure and the main interface and specific functions of the system. The design of the functional module of the non-performing loan system of the county rural credit cooperatives is the focus of this paper. The work of the credit management department of the county rural credit cooperatives based on the actual business analysis. The process is deeply studied. Combined with the characteristics of the information system of the Rural Credit Cooperative, based on the business process software project. This paper puts forward a special solution to the non-performing loan account management system, which is helpful to the county rural credit cooperatives in solving the management problems of non-performing loans and improving the working efficiency of grass-roots credit cooperatives.
【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】：2014
【分類號(hào)】：F832.4

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