【作者】 李峰；

【导师】 赵东范；

【作者基本信息】 吉林大学 ， 软件工程， 2013， 硕士

【摘要】 在中国银行“跨越式、倍增”发展战略的指引下，广东省地区分行零售贷款业务发展迅猛，传统的单笔受理、单笔审批、单笔管理的手工作坊式操作模式已经不能适应业务发展和风险控制的需要。为适应零售贷款业务的高速发展，提高零售贷款业务的经营管理水平和风险控制能力，根据中国银行建设零售贷款中心的要求，结合广东地区的实际情况，中国银行将在二级行和广州地区成立零售贷款中心，所有零售贷款将集中中心进行审批，同时所有零售贷款的放款及档案管理将集中二级行放款管理部，实现零售贷款前、中、后三台的完全分离。为确保零售贷款中心建设和零售贷款业务流程改革的顺利进行，中国银行提出了零售贷款在线审批系统的开发需求。期望能够通过中国银行零售贷款在线审批系统的正式投入使用，可以有力地支持零售贷款业务改革和发展的三方面需求：业务流程改革的需要、提高市场竞争能力的需要、风险控制的需要。为了最终满足以上需要，广东省地区分行根据实际情况，对零售贷款业务流程进行重整，逐步建立经办机构受理贷款、零售贷款中心审批贷款、放款管理部发放贷款的前中后三台分离的操作模式，以达到释放一线营销力量，精简中后台操作人员，加强风险控制和贷后管理，提高服务水平等目的，在此过程中中国银行零售贷款在线审批系统将发挥积极促进作用。为以达到以上目的，本文完成了以下工作：1.基于B/S架构的软件研究思路，分析现有客户端技术及服务器端技术，为系统确定一套技术解决方案；2.针对在线审批系统的实际需求，确定了采用B/S架构的系统结构。具体分析和研究了客户端上的浏览器插件技术及WebSphere MQ消息中间件技术、服务器端采用的Play Framework框架技术及应用服务器技术，为在线审批系统的开发奠定了扎实的技术理论基础；3.通过对系统大量的需求调研及分析，确定了系统目标，划分了系统机构类型及角色，明确了系统的业务流程、功能结构及主要功能模块；4.分别从客户端和服务器端的角度对系统进行了体系结构设计，同时设计了系统的网络拓扑结构、功能模块以及数据库体系结构；5.基于系统架构，分别从客户端和服务器端的角色充分论述了在线审批系统的业务流程及实现原理，并对系统进行了具体实现。通过本文的研究工作，能够有效地减少中国银行零售贷款审批过程中的资料传送时间，提高贷款审批效率，通过严格的流程控制，可对整个审批流程进行记录，可实时跟踪贷款的审批过程，实现贷款资料在受理机构、审批部门、放款部门之间无纸化的高效准确传送，达到审批过程中文件转呈、流转的电子化管理，提高效率。更多还原

【Abstract】 Under the guidance of Bank of China’s development strategy that is "leapfrog,multiplication", the retail loan business in the branch of Guangdong region is developing sorapidly that traditional manual operation pattern already can not adapt to the needs of businessdevelopment and risk control. In order to adapt to the rapid development of retail loanbusiness and improve the retail loan business management level and risk control ability, Bankof China will establish retail loan center in secondary level bank and Guangdong region incombination with the actual situation of Guangdong region. All the retail loan will beexamined and approved in the concentrated center and it will realize the complete separationof activities before, during and after retail loans. To ensure the retail loan’ reformation and theretail loan center’s construction successful, Bank of China puts forward the developmentdemand of Retail Loans Approval System.With the use of Retail Loans Approval System for China Bank, it will strongly supportthree aspects of retail loan’s reformation and development: the demand of business processesreformation, market competition ability’s development and risk control. In order to meet theabove needs, the subsidiary bank in Guangdong region is restructing the retail loans businessprocess and building a new operation pattern which make the complete separation of activitiesbefore, during and after retail loans to release the strength of frontline marketing, streamlineoperation staffs, strengthen risk control and post-lending management and improve servicelevel. During the process Retail Loans Approval System for China Bank will play afacilitating role.To achieve the above objectives, this paper completed the following work:1. With the software research idea based on B/S architecture, we analysis the existingtechnology on the clients and servers, and put forward a technical solution;2. Based on the actual demand of the Retail Loans Approval System, we decide to useB/S architecture to construct the system. This paper has analysis browser plugintechnology, WebSphere MQ technology, Play Framework technology and applicationserver technology in clients and servers concretely which can establish stabilitytheoretical foundation for the system’s development.3. With rich requirement analysis of the system, we determine the system aim, dividethe system organization types and roles, and understand the business process,function architecture and main function modules of the system. 4. We has made the architecture design for the system from the aspect of client andserver, and designed the network topology, function modules and databasearchitecture of the system.5. Based on the system architecture, this paper describe the business process andimplementation principle of the system from the aspect of client and server in details,and finally implement all the functions of the system.Through the research, it can effectively cut down the materials delivery time in the retailloans approval progress for Bank of China and improve loan approval efficiency. And onthe basis of strict process control, it can record all the processes of retail loans approvaland follow the process in real time. At last it can realize the efficient and accuratedelivery of the materials among different departments, electronic management of theapproval process and improve the work efficiency.更多还原