Research And Implementation Of The Bank Credit Risk Management Information System

With the financial globalization and market puissant propulsion and financial innovation of rapid development, credit risk management is becoming increasingly attention to the bank. All commercial Banks in the business, because the subjective and objective factors, faced all kinds of risks are impossible to avoid. Specific include:the credit market, and operation, liquidity and other different kinds of risks and different geographical area, different business department, the different level of risk management. In order to promote China's rapid economic growth, the Banks have stepped up efforts to loan, especially the loan client group, so obviously increase ratio, strengthen the bank credit risk management is more important.Credit risk management information system applications for bank decision and the credit management department, to risk monitoring for the core, with advanced business intelligence theory and data mining technology, from the credit risk and market risk, flow risk, operation risk, etc, the comprehensive analysis of the data on credit, bank managers can find intelligent analysis by means of the credit risk, improve the level of risk management, the bank to effectively predict risk, preventing risks, improve profitability.According to the particularity of bank credit risk management system, makes a detailed analysis and investigation. Considering the deployment of convenience and future upgrades, to meet the demands in the premise, the B/S structure for system implementation. B/S structure building at the rapid popularization development technology, combined with the browser on WWW web technology and database technology, convenient and easy to use. Operating system adopts the system server open-source platform, operating system and adopts the Linux mature stability of web server do I can with Apache, combining dynamic PHP/MySql database, and the design and implementation of a comprehensive credit risk management information system.In the choice of development tools based on open source software MyEclipse working platform, professional web design tools, convenient and more Dreamweaver quickly complete system of coding.In the implementation, considering the system is based on B/S structure, on the network transmission is quite important information, take some security measures. Using RSA encryption algorithm to transmit data encryption, asymmetry between the transmission link safety ensured.In system development process, but the other industry management system, the mature of the whole system to the accurate demand meticulous analysis, accurate positioning. In consideration of the credit system as special cases, auxiliary credit rating, the judge listened to the opinion survey in this system, the role is to assist in the bank management, optimize and improve work efficiency, rather than replace existing staff.