The Estanblishment Of Credit Risk Analysis System In Bank

This article illustrates the fact that a commercial bank, no matter whether it is a commercial bank that has operated for a long time in a developed country or was set up recently in a developing county, is faced with credit risk, market risk, operation risk, liquidity risk and other risks. This conclusion is drawn based on the analysis of cases of bankruptcy of Balin Bank and Hainan Development Bank. In order to monitor the risk and remain stability of the development, commercial banks have to utilize and strengthen the risk management. Also, according to the analysis of macro and micro level, credit risk management and control becomes an inevitable task and priority in order to face the challenges of WTO.Nowadays, a lot of commercial bank business and data transmission are done through Internet. The traditional method of credit risk analysis becomes out of time. Meanwhile, risk analysis requires more dynamic analysis. The risk analysis and management method is being improved towards portfolio management. All these required the support of computer system and Interact. Therefore, building a computer risk analysis system is absolutely necessary.The goal of this project is to improve the working efficiency and information management in analyzing and monitoring the credit risk of Agricultural Bank of China. The design of the system is not to satisfy the whole bank demand on risk analysis; it is designed based on the current internal realistic needs for credit and asset risk management of the commercial bank as well as structure of the popular risk analysis system.Based on the work experience as loan and asset manager, the author establishes the relations among three external units of the system, customer department, credit department and risk management department. Also, through analyzing the functions and demands of the relative units, the author successfully builds in functions of information input/output,safety-security and simple analysis: The project is proved to be technically and economically operatable.This system is constructed using SQL Server 2000 and Microsoft Visual C#.NET. SQL Server 2000 helps complete database design and realize database creation, management and maintenance. The SQL Server Agent and the Stored Procedure execute the function of calculating a large number of data.The user application programming interface has been accomplished by the Microsoft Visual C#.NET, which also offers a platform for users to use and update the database, set system security, and manage user privileges. Moreover, the TREEVIEW component strengthen the organizingconfiguration chart.The system has strong extensibility. The new method of risk-analysis can be increased by updating on server-side. So the new indicators of risk-analysis can be used. The system has been tested and satisfied the standards. Now it has been used in the relevant departments.