Design And Implementation Of The Bank Credit Exposure Management System

Along with the boom of the business of credits and loans, a successful risk management seems to be indispensable. One of important components of a sound risk management is credit exposure management. To achieve this, it is necessary to build a system that is able to match the credit data with the gross amount and monitor the credit exposure data through various analysis and modeling methods. On one hand, such a system should meet the criteria of the internal management of the bank with respect to the credit and loan business and the requirements of the external regulatory institutes and the information disclosure of other investment organizations. On the other hand, not only should this system be efficient and precise but also be equipped with the abilities to corporate the supervision beforehand and inwards with process monitoring to ensure the performance of credit exposure monitor system and the effectiveness of risk management.This thesis mainly focuses on the management of credit exposure though the analysis of the credit exposure management system of Hanya bank. In this article, I will introduce several significant aspects of the credit exposure management:methods, issues and data analysis. I will also analyze the functionality and architecture of the system and explain thoroughly the design and implementation of seven of the most important business functions.