Rural Commercial Bank Credit Risk Assessment System Design And Implementation

Contemporary era, with the rapid development of information technology, technology, computers in every corner of the financial sector have a wide range of applications. Rural financial institutions have branches in most rural areas of banking financial institutions, service them shoulder the "three rural" historical responsibility "three rural" main source of funding and financial ties. As well as the financial crisis in the world economic crisis environment, China has introduced to increase the SMEs and the "three rural" credit support to relevant policy, the robustness of their business will be able to conduct normal business operations is an important prerequisite. In order to better serve the "three rural" to provide services and agriculture can play effect, rural financial institutions, we must first understand their risk profile and control in science, applied, based on the sensitivity of credit risk assessment system, and from credit the risk of the overall situation, research and design a safe and effective, open system a viable credit risk assessment program.The research project mainly discriminant model based on risk analysis of credit risk assessment algorithm, introduced by Sybase's PowerBuilder development environment to build credit risk assessment applications, in accordance with the requirements of the existing banking supervision, from risk identification, risk assessment and other modules: to achieve credit risk assessment system. System through risk identification module is the basic information of the customer into preliminary, first rule out the banks do not meet the rigid requirements of the customer, to meet the general requirements for bank credit risk of customers included in the analysis object; risk assessment module based on "The New Basel Capital agreement "requirement, rural commercial banks, when the customer fails to repay the bank loan ratio (bad loans) as a measure of the level of credit risk, the introduction of principal component analysis used to build commercial bank's credit risk assessment in rural areas of the Logit model algorithm, and to our customers in a rural commercial bank loan defaults financial information and data as a sample of commercial banks in rural areas used in the applicability and stability of a full verification.Based on the above, credit risk assessment system research and design, to improve loan quality, reduce credit risk, business and scientific management of credit, to enhance the security of credit assets, to strengthen credit prediction and decision-making rationality, science plays an important role.