Design And Realization Of Commercial Banks Personal Loans Credit Risk Management System

The British pound exchange rate crisis in1992，the collapse of Barings Bank, theAsian financial crisis in1997， and other major risks are due to the ineffectivemanagement or the inappropriate control of the risk(especially the credit risk in thebank)． With the trend of financial globalization and financial market volatilityincreasing，commercial banks and investors in countries face to an unprecedentedcredit risk challenges. According to the World Bank’s survey research on globalbanking crisis, credit risk is the main reason that leads to bank failures. Therefore, it isof great significance to study and apply suitable credit risk management system forChina’s commercial banks to control the bank credit risk, and promote the health andsustainable development of commercial banks.Combined with the development process of the commercial bank’s creditmanagement system, the paper introduces the design and work of personal credit riskmanagement system. Based on the J2EE architecture’s cross-platform, the system canaccurately and quickly realize the information sharing. After the needs analysis ofsystem, a more detailed exposition of the system function modules, as well ascomputer models, is made in the paper. And it use WINDOWS XP applications andSQL Server2005database system to implement the system functions. The systemfocused on individual customer management and controls a variety of loan credit riskof customers, including customer management, business management, interestmanagement, report management, system management and other functional modules.On the whole of the paper, firstly，the paper introduces the theory of credit risk;secondly, it makes system requirements analysis from the aspects of functionalrequirements, performance requirements and security requirements; next, based on theintroduction of the working environment and the frame of net, it designs the wholework form function，database and security; then through the establishment of thesystem modules, and description of the program flow chart, it describes the specificimplementation of the system; finally，it is tested in the special data environment，anddraw on some experience and lessons．...