Research On China Everbright Bank's Categorized DSS Of The Bank Credit Risk

Nowadays, information technology is the key factor on improving competitiveness and growth of economic; it plays a great role with the development of booming industries, reforms on industrial structure and improvement of economic operation efficiency. The risk of credit is the common risk that banking faces, how to control and manage credit risk is an eternal theme of banking. In order to strengthen financial supervision, in 1998, our country began to propose a categorized method of five grades of loan risk, which coordinated with the international current method; advocated to adopt the modernized information technology means on the study of taking precautions against and controlling on risk, and took improving the assets quality of credit, striking precautions against credit risk as the goal of finance controls.China Everbright Bank is a nationwide shareholding commercial bank, through the development for many years,it has progressively formed the pluralistic stock right structure which conforms with modern commercial banks and a perfect operating mechanism. However, with its rapid development, the pressure of taking precautions against and dissolving the risk of assets is increasing constantly. On one hand, its historical burdens of non-performing assets are heavy; on the other hand, the quantity of bad credit assets accumulated constantly, its management pattern of the credit risk can't adapt to the development of today's situation. In order to raise its credit risk management level and offer support to science decision, the study on DSS (Decision Support System) which applied to categorized management of credit risk seems particularly essential.In case of China Everbright Bank, through the research on the theory of knowledge management, artificial intelligence and DSS, combining neural network technology with the expert system of artificial intelligence, here we have proposed a categorized decision model of credit risk for China Everbright bank; and designed the categorized DSS of credit risk, which based on knowledge management and artificial intelligence technology, and faces the management and controlling on the classify of loan risk. To raise the management level of China Everbright bank's credit assets, strengthen its own competitiveness and fulfill its sustainable development, this study is of great significance.