Early Warning System In The Business Of Commercial Bank Credit

Commercial Banks are firms that operating on variant risks, so the key point for them is how to identify, measure and optimize management those risks on the Banks'survival and development. In the Banking risk management, credit risk management is the core. So establishing an early-warning mechanism on Commercial Bank credit risks is most important part to avoid relevant risks, and to evade the explosion of Commercial Bank credit crisis. The bank credit early-warning system provides the functions of further norm bank letter a loan of business process, raise letter the 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. It is exploited using Windows XP as system terrace, Eclipse as exploiting terrace, Tomcat 5.0 as web applied server, and using JSP, Servlet and Javabean as programming techniques.The key issues addressed in this thesis as the followings:In the first, the development plan is the guide of the whole software exploitation. The plan is realistic or not has great influence on the quality of the exploitation. The establishment of the development plan of credit early-warning system is on the basis of the estimates, while in the process of developing estimates, using standard components estimated assessed valuation methods and expert integration.In the second, the current object-oriented analysis, the methodology of design and the use of UML have not yet any recognized standard in software engineering field. This thesis studies the object-oriented analysis and design and does some useful explorations to the object-oriented analysis, the methodology of design and the use of UML by using the method of object-oriented analysis and the practical applications of UML.The system exploited achieve many functions, such as credit operations management, statistic analysis, monitoring and information procession and so on. It provides comprehensive information and controlling tools for all kinds of levels of management. So it enables the improvement of banks to credit analysis system andcredit operations repository, lays the groundwork for the establishment of the future credit analysis system and operations repository, and plays a very good promoting and facilitating role to the healthy and rapid development of business.