Commercial Bank Credit Risk Early Warning System Design And Implementation

This is the first time that the central government strictly controls the size of credit of 2011, and the year improve credit rate in the face of foreign threats and internal problems the financial crisis and the impact of inflation, we can clearly see the commercial loans banks make a profit as the main financial products, credit management can directly affect the health of China's commercial banks running smoothly development.In the above context, I chose this topic of "The Credit Risk Alert System of Commercial Banks design and implementation" as the subject of this thesis. This system using J2EE three-tier architecture, the user interface using the JSP technology, and we use the EJB component to encapsulate the logical, use the JDBC to drive the SQL Server 2000 database. This system makes use of Excel application components to import the data report, authentication mechanism used the CA authentication, and combined with the Exchange server and SQL Mail provides mail prompts.The core of the system is that it analysis and calculates the alert automatically, to achieve accurate results I choose the multiple linear regression model as a forecasting model application, and generated the corresponding level of risk alert according to business data. The system would send the alert to the manager and the power people. This system provides all users a complete, safe and convenient management functions, so that any users can do effective link, find and solve the problems as soon as possible.The system also makes the responsibilities and management processes clearly. "The Credit Risk Alert System of Commercial Banks" to fully meet the current context of banks business needs, and can provide a more convenient application methods and some additional convenience features, so the application of the system will be able to become an efficient business banking management tools, high-speed stable operation of its escort.