Design And Implementation Of Bank Credit Customer Risk Monitor Management System

Recently,with the rapid development of economic and the continuously changing of financial market requirement,finance service industry keeps developing.Various kinds of financial products appeal the supervision of credit customer turn to be complex,the bank business trends to be more automatical and complex.Supervision after the event have little effect on protecting bank capital,then,the situation of industry personnel swallowing capital and the incapable recoveries of the loan capitals appears continuously.Following the new situation development,bank supervision department is facing a new challenge about how to deal with the development of the new technologies,new business processes,new financial tools,and the broadening of financial agencies scale,business scope,and the changes of supervise environment.The businesss banks often exercise well-done risk management on each specific loan,while they always forget to handle the risk lies on each loan as an integegrity.With the extension of businesss,banks have to take more efforts to handle the basic factors in their operation processs such as MIS(Managements Information System),control systems for reform management,strategic plans,credit loan centralizationon,assets and liability management etc.They have to know how the factors interact with each other,especially some factors may be rather complex,and have to find more effective tools to do risk management.Regarding the background mentioned above,this article make a deeply research on how to prevent banks from credit risk,basing on the actual status of CCB,and make the different processing on analyzing the different risk of the requirement of regulatory authorities and the bank supervision department.A credit customer risk monitoring system(CCRMS) is introduced here.The approving process of each credit loan and the information of each customer will be monitored by the system which may issue a remind or an alert according to the risk degree.So the system can avoid or reduce the loss and the bad reputation effect of the bank by perishing the risk.CCRMS integrates many functions such as data gathering,transferring and statistical analysis.In addition to that,it implements the measurement of customer value and contribution which standardizes the process of risk monitoring.Baesd on the best practice of all-around monitoring on bank risk,CCRMS focuses on the flexibility and standardization of system to improve the pratical business process.Based on the software engineering theory,a CCRMS solution is presented here. which covers each stage in the building process of the system such as business requirement analysis,system framework design,database design,coding and test.