Abstract: Business and flow controlling couple with each other tightly in most of commercial bank credit management system. The system is not stable when adjusting the business flow for program code changing. And it is not flexible to baffle the business expansion. It is also difficult to process the complex data flow. The paper analyzes the service of commercial bank credit, separates the service and flow controlling. It is practice effective for a commercial bank credit management system.

Key words: Credit management system, Struts, Oracle 9i, XML

摘要： 多数商业银行现行信贷系统将业务和流程控制紧密耦合，没有进行很好的分层隔离，在需要对业务流程进行调整的时候就会对程序代码硬性改动，影响系统的稳定性。由于二者的紧密结合，导致整个应用系统无法实施，阻碍了业务发展。各地区之间的系统差异，使得相互之间的业务交互处理不容易兼容。系统不灵活，对一些复杂流程的处理也存在一定的困难。该文通过对商业银行信贷业务的分析，较好地实现了业务和流程控制的分离，并将其成功运用于某商业银行信贷管理系统中。

关键词: 信贷管理系统, Struts, Oracle 9i, XML