The Research And Implementation Of Bank Customers Rating System Based On Expert System

With the development of economy,the credit of the bank need to improve the quality,if a bank's credit quality is low,the management benefit is bad,will affect the bank's survival and development,from the point of view of bank's development,if the bank loan management system is relatively backward,wili affect the normal opening bank loan business,long the bank in respect of credit mainly adopts is a manual operation,lack of effective management system in the credit management,leading to a delay in bank credit information,the formation of Banks and their customers,the information asymmetry between Banks and proves that pose a risk to the bank's loan business,at the same time,there is fierce competition in the financial sector and if a bank's service is not timely,active,can affect bank customers development,easy to lose business opportunities,thus to improve the work efficiency of the bank needs the innovation to the bank's loan management system.Customer credit rating,in the bank's internal to manage customer credibility,is that the Banks to evaluate the borrower's credit level,through the credit rating system,can effectively predict loan client default probability,which can effectively improve the utilization rate of bank assets and reduce the occurrence of bad bank credit risk.In the interior of the banking system to establish credit rating system,can improve the initiative and enthusiasm of banking services,is to change the traditional service mode,to adapt to the new banking regulations,provide important means in the core competitiveness of Banks,effectively to adapt to the development of the bank.The thesis focuses on the basic structure of the expert system based on bank credit assessment management system,designed,functional and features a comprehensive description and analysis of relevant theoretical knowledge and expert system to conduct a comprehensive analysis of bank credit users ratings knowledge representation,inference methods of data,the data elements of a comprehensive study,and input and output database,spreadsheet management techniques to conduct a comprehensive analysis of the components used to control the application of the data conversion,SQL relevant content data query,reporting and design a comprehensive analysis.With the state of the bank 's credit rating specific technology to conduct a comprehensive study of the relevant programming code design and development to ensure the development of the system to meet the customer's bank to the credit rating requirements to achieve the dynamic management of the bank user ratings.The thesis in the course of the study,for the current bank credit user rating process related issues conducted a comprehensive analysis to determine the bank's credit rating with the current system,proposes a development framework based on the credit rating expert system,using C/S hybrid architecture with B/S structure,the use of object-oriented programming language programming with combination of methods,combined with the SQL Server database with win7 operating system expert system platform for the bank's credit rating system has been developed to achieve the user's credit ratings related features,management,and other inquiries.