The Design And Implement Of Commercial Bank Credit Assets Provision System

The purpose of the New Basel Capital Accord (also known as Basel II) is to improve all risk management activity of finance service industry, and to ensure appropriate capital adequacy of these enterprises. Credit assets are the master assets of the commercial bank. Drawing provision is helpful to enhance banks' ability of resisting the credit risk, and reflects the achievement of banks credit assets operational experience. It can advance the level of banks operation and management, and meet the listing requirement of information disclosing.According to theory and technology of DW/DM, the thesis researches the multidimensional model of credit assets provision based on 5-7 years' credit data. The thesis creates the risk data model. Provision is executed in combinatorial analyses or special calculation methods according to different risk classification of credit assets. It can analyze or calculate according to multidimensionality like zones, industries, products and so on. It can be predicted, too.The thesis talks about the goal of commercial bank credit assets provision system. After model research, it expatiates on the system general logic architecture, technical architecture, physical architecture and data architecture. It details the design paths of corporate credit provision and retail credit provision. The project meets the third domain of CMMI. The development process is preciseness and criterion. The system have implemented data analysis, data mining and data exhibitor of commercial bank credit assets risk model, and it has good commercial application future.