Bank Credit Management Information System Analysis And Improvement Of Study

During the past several years, credit risks have penetrated into every corner of the credit businesses, thus seriously impacts the existence and development of banks. For the urgent purpose of the credit businesses, such as credit risk management, China Construction Bank has developed the Credit Management Information System.This document discusses not only the structure of the system and those technologies that it uses in detail, but also how the data statistical analysis is realized. And, it also studies the possibility of using data mining technologies in the system, just to improve the system' s capability of management. Then it completes the case researches below with data mining technologies:(1)With decision-tree algorithm , it creates a model which classifies the credit degrees of personal loan customers. (2) With two different cluster algorithms , it has analyzed the index weight of credit risk assessment, which can lead credit risk assessment to become more reasonable and effective. Furthermore, with my several experience of managing the system, I have discovered the data location model does exist some very obvious shortcomings. So, this document proposes a new two-level data location model that requires the data to be converged relatively to solve the problems such as security that exists in the system effectively. The last Chapter summarizes the chapters discussed before.