The Design And Implementation Of The Customer Rating System For Shandong Province Rural Credit Cooperatives

Credit rating system is the banking sector to specification credit loan business, reduce the risk of internal ratings system, used to be rating object their responsibilities and trustworthy for objective and impartial appraisal.To meet Basel new agreement financial environment changes, this article addresses the J2EE build customer ratings system, according to Basel new agreement about new content, in the project creation, enterprise information maintenance, projects, ratings and approval, user management and security management for the new modified development.This article focusing the customer credit ratings features of Shandong Rural Credit Cooperatives , according to its own characteristics, the evaluation indicators system to make the appropriate adjustment to establish a standardized and personalization combined close rating model. According to the credit ratings of the day-to-day business and operation processes, carried on the comprehensive needs analysis for the credit rating business system.Based on analysis of the system funcional requirements, the rating system is designed, the overall system of functional structure is presented, technical architect is considered for system extensibility, maintainability, and performance problems. Use J2EE technology design mode, the system database is designed. According to an enterprise scale different, establish a large corporate credit rating indicator system and SMEs rating indicators system.According to the provincial association of credit rating management, the project approval implements the graduation authorized principle.In the system design process, using a strict examination and approval procedures, regulate the operation of the ratings business, avoid the risk of a human operator. The approval procedure involved in the departments of the role and functions of the division of labour, you can also flexible configuration.Web-based system more vulnerable to attack and destruction, in order to ensure the safety of the system, in addition to the implementation of the system, in the hardware facilities to improve security, in the design of system architecture, in particular , to establish a systemof the security architecture. Use the SSL technology to enhance server security capacity, to guarantee the information of confidentiality, integrity and non - repudiation.