摘要
随着我国银行业对外丌放的不断深入和四大国有商业银行的相继上市,我国
商业银行面临的内外部竞争円益激烈。2008年国际金融危机爆发后,世界经济面
临的不确定性因素增多。面对F1益激烈的竞争环境和复杂多变的经济形势,如何
充分利用信贷管理信息系统最大限度的挖掘客户需求、降低信贷风险、提高贷款
质量,是当前商业银行提升信贷管理水平的关键。信息不对称、信息质量不高、
数据挖掘不充分等问题一立是中国建设银行信贷信息管理的难点,也是信贷管理
信息系统改进的重点。

本文通过分析中国建设银行信贷管理的现状和信贷管理信息系统的需求,提
出了信贷ff理信息系统的设计和实现方案。从“业务受理、调查评价、贷款审批、
贷款发放、贷后管理”五个阶段分析了信贷管理的业务流程;从“信息采集、信
息传输、信息加工、信息存储、信息发布”五个方面分析了信贷管理信息系统的
数据流程;以“满足外部监管、引导经营管理、提供决策支持”为目标,从信息
共享、信息质量、数据挖掘H个方面分析了信贷管理信息系统的业务需求;对信
贷管理信息系统的系统管理、数据质量检核、信息应用平台等三大功能模块进行
了重新设计与实现,并在功能模块设计中体现了信息共享、信息质量、数据挖掘
等问题的解决方案。

本文体现了两大创新点:研究思想体现管理导向、系统设计贴近业务需求。

研究思想体现管理导向具体休现在本文以管理信息系统的思想为主线,首先分析
信贷管理的业务流程,在确定信贷管理信息系统的业务需求吋充分考虑高管层的
管理要求,体现了管理导向;而现有研究多是以软件工程的思想为主线,侧重技
术实现方式的研究。系统设计贴近业务需求具体体现在信贷管理信息系统的设计
与实现首先强调系统与业务的融合,把业务流程改造作为系统优化的基础;另外,
在需求分析和系统设计与实现方案的其体措施中考虑到了三个办法一个指引、新
资本协议等最新的商业银行监管要求,并在关键成功因素法的基础上采用问卷调
查的方式确立信贷管理信总系统的业务需求。

关键词:管理信息系统;fff贷管理;商业银行;业务流程
山东大学硕士学位论文
ABSTRACT
China commercial banks face increasingly fierce competition in the internal and
external. Since the outbreak of the international financial crisis in 2008,the world
economy faces more uncertainties. In the face of increasingly fierce competitive
environment and the complex economic situation, how to take full advantage of the
credit management information system is the key to enhance credit management level.
The problems of asymmetric information, low quality of information, the lack of data
mining, have always been the difficulties of China Construction Bank credit information
management, also the emphasis of credit management information system to improve.
By analyzing the status of China Construction Bank credit management and the
demands of the credit management information system, the paper put forward design
and realization solution of the credit management information system. First, analyze the
business processes of credit management and credit management information system.
Second,analyze the business demands of the credit management information system.
Finally, put forward design and realization solution of the credit management
information system.
This paper includes two innovation points: research thought reflects the
management-oriented and system design is close to the business demands. Analyze the
business processes and give full consideration to the executive management
requirements. Emphasize the integration of the system and business and take business
process re-engineering as the basis for system improvement. In addition, use a
questionnaire survey to establish the business demands of the credit management
information system on the basis of critical success factors method.
Keywords: management information system; credit management; commercial