Kunming Principal Investment Consulting Firm For Examination And Approval Of Personal Credit System In The Research And Implementation

At present, after years of development, the Personal Credit Management System has already been used in the many banks and other financial institutions, and domestic financial institutions IT service provider also provides a variety of solutions. This paper mainly through the study of the existing credit system and credit regulation of the Kunming XinAn Investment Company, and absorbing the existing personal credit system management experience the banks, as well as the new Basel agreement they comply with, to design a new Personal Credit Examination System. We designed a automated pre-approval business, but it is only a screening and a suggestion to the examination and approval person, after all, there are much unkown risks living in the credit business, so it is not feasible to build an automated examination and approval system. This paper mainly through the introduction of workflow management concept, the strengthen the operational risk management, building a few dozen (can be expanded) risk rule,the blacklist checking, personal credit evaluation and fraud prevention examination,completing the automated examination and approval business.This paper introduced the background and insufficient business of existing Kunming XinAn Investment Company Personal Credit Examination and Approval System, and cleared the design target of the system, described the system development correlation method, discusses the system technical architecture. Analysised the system requirement, including business requirements, functional requirements and system environment requirements.The paper designed the use case diagram as well as the use case description, in the content of system design, the paper carried out the overall design and function module design,including risk control model designing, and designed function structure diagram, class diagram and sequence diagram.In the database design,the paper conducted the conceptual database design and physical design, such as the database design of the E-R diagram and table relationships.The paper also told about the implementation of the system,we adopted the C/S architecture to complete the development of the system.at the end of paper, we summarized and prospected the Kunming XinAn Investment Company Personal Credit Examination and Approval System.