| Credit is a trust-based ability that do not need to pay immediately to obtain the funds, materials, and services. This ability to be bound by a condition, namely: by the letter promised payment in its time period for the access to capital, goods and services, the time limit must be providing credit approval funds, materials and services.Modern sense of the credit risk of commercial banks include not only default risk, but also the risk of counterparty (the debtor) the ability of changes in performance lead to changes in the value of bank assets. Commercial bank credit risk is the reality of a wide range of sources, mainly divided into two categories: first, the capacity of the borrower's performance problems, it can be said to be formed as a result of objective factors as credit risk, where either the borrower can be individuals, businesses or even a nation. The second category is the will of the borrower's performance problems, but also subjective factors can be said that the formation of credit risk, which is the borrower's character decisions.Credit rating is a method of comprehensive evaluation for credit capacity, which will analysis various factors such as credit records, operations, financial condition, the external environment of market participants, for example, the companies, bond issuers, financial institutions and so on. Bank as the main body of the financial system, credit rating system for selecting from the bank's internal controls and risk management needs.Supervision of commercial banks to credit risk is credit risk of commercial banks and the credit risk associated with the operation of monitoring revealed that the measurement, assessment, early warning, control and adjustment of a series of norms and standards of conduct. Supervision of credit risk refers to the whole process of risk factors in a full range of inspection, reflected in the conduct of the process. Timely, accurate, comprehensive monitoring, reflecting the commercial banks operating in the day-to-day activities of all kinds of situations is the basic requirement of risk prevention, and also is the timely detection of risks and the necessary means to control risk. For a large number of credit information such as credit transactions records, breach of contract records, bad credit history in the banking system, we designed a credit monitoring modules match with the bank's administer system. Credit Monitoring module is divided in to three parts: credit records storage, credit records retrieval and bad credit history warning. Way to monitor credit records are divided into centralized control and decentralized control.At present, we generally use for the enterprise data network and the three-tier structure, taking into account the requirements of centralized monitoring, the credit record of the search server independent, separate providing credit records search services. Under the circumstances, there are two ways of credit monitoring. Way one: from the background data server needs to retrieve data related to the credit records of monitoring servers, monitoring and credit records search query. Way two: from the communications server to distinguish the data, send the needed data to credit records retrieval services, and then monitoring and query search.Credit records search services are divided into two parts, retrieval server and client. Retrieval server installed on the credit records server, which to provide an independent retrieval service; retrieval client installed on the data server for centralized retrieval way one, installed on the communications server for centralized retrieval way two, which responsible for credit Records retrieval server data exchange. Retrieval client credit is installed in the background data erver or communications servers, which need to connect more than one credit records retrieval server, in order to prevent a single point of failure and fault-tolerant mechanism, need to provide load balancing and re-connection mechanism. In order to provide efficient communication with the server communication using TCP/IP long connect communication and asynchronous communication mechanism.For credit records monitoring retrieval server design, separating communication module and retrieval module. Communication module to provide external telecommunications services, supports multiple concurrent client; credit records monitoring module accomplish monitoring and retrieval function. The two module transmit data by IPC communication model. Server to the a better understanding of the client connections, could develop monitoring services, to monitor the connection status of the client. The monitor server to close or start monitoring retrieval services and communication services, also need to have some management tools.Credit record is in a huge demand more than 100,000. In a given string, the retrieval if the string is given contains a record of any credit record, as the system require with faster response time, so credit record retrieval algorithm requires a relatively high speed of the match. Retrieval algorithms of credit record is the core of the retrieval system, and is key of the credit record retrieval system corresponding efficiency. This paper introduces the credit record retrieval algorithm. Introduces the three types of credit records retrieval algorithms, including direct matching method, key-tree matching method, improved key-tree matching method.Direct match algorithm is to load credit record information file into memory, when retrieval it traverse the credit record of entire list or array, to see whether it contains the needed record data.We use the key-tree data structure stored credit record, start from the roots walking along the sub-tree to form a data tree, from the root to the leaves is a credit record data. There are 26 roots as the first letter of all words, the string from start to end, each time to retrieve a key-tree, and has nothing to do with the key number of records in the tree, in theory, the comparative number is n*m. It is obvious that such method could improve match speed. The main points of this method is the establishment and retrieval of key-tree, each letter as a node of key-trees, each node require two additional pointer to store sub-tree and brothers, loaded time will increase as a result of key-tree establishment.Analysis of key-tree matching method could help us to find a balance point of space and time, consumption of time and space depends on the depth of key-tree, if you choose a reasonable depth of tree, it can be save space as much as possible in little speed loss. Based on improved matching algorithm of key-tree research, this paper give method that has efficient key-tree retrieval performance, in addition to credit record we can also use key-tree retrieval algorithms for other systems, such as information filtering systems, and other information retrieval systems that need faster matching efficiency. |
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