Analysis Of Credit Risk Management System And Warning

With the economic development and financial reform, the surroundings around banks have already changed consumedly. The globalization of economy brings fierce competition to banking business. As the scope of banking business is also expanding continuously in the same time, the risks faced by banks also increase significantly. Among them, the risk appears in credit operation is apt to bring serious damage. How to reduce the risk of losses, and make the loss decline to an absolute minimum is the pursuit of objectives of each big bank. In the banking risk management, credit risk management is the core. The bank credit early-warning system provides the functions of further norm bank letter a loan of business process, raise letter the loan business quality level, strengthen bank of risk control ability, utmost decrease loan risk of function further regulating the flow of bank credit operations, improving the quality of credit operations, enhancing the capacity of banks to control risks, and minimizing credit risks.This thesis takes traditional waterfalls model as a method of the exploitation of software. Meanwhile, it takes Unified Modeling Language (UML) as analysis, design and description language to carry on "need obtain", "need analysis" and system design for early-warning system; Using Windows 2000 as system terrace, WAS as system container, adopting JAVA language, and using JDBC, JSP. Bean etc. programming techniques, it achieves a series of functions, such as the existing bank credit business processing systems integration, data synchronization, automatic control credit operations, and a customized control system of credit operations.This thesis analyzes the domestic and international development condition nowadays of the bank credit system, briefly explains the main problems of the system realization, and generally describes the whole system; It particularly illustrates the methods of "need analysis" and "need obtain", and brings up specific achieving techniques and achieving methods for the key issues in the process of achievement.The key issues addressed in this thesis are the following:...