Design And Implementation Of Bank Credit Risk Monitor Management System

At present, with the requirement of rapid development of economic and changing of financial market, the reform of domestic finance keeps deepening. The supervision of credit customer turn to be complex because of various kinds of financial Products, the bank business trends to be more complex. Supervision after the event has little effect on protecting bank capital. then, the situation of industry swallowing capital and the incapable recoveries of the loan capitals appears continuously. Following the new situation development, bank supervision department is facing a new challenge about how to deal with the development of the new technologies, new business Processes, new financial tools, and the broadening of financial agencies scale, business scope, and the changes of supervise environment.The businesses banks often exercise well-done risk management on each specific loan, while they always forget to handle the risk as an integergrity. With the extension of businesses, bank shave to take more efforts to handle the basic factors in their operation processes, control systems for reform management, strategic plans, credit loan centralization on, assets and liability management etc. They have to find more effective tools to do risk management and must know how the factors interact with each other because of some factors may be rather complex.Regarding the background mentioned above, We will make research on how to prevent banks from credit risk, and make the different processing on analyzing the different risk of the requirement of regulatory authorities and the bank supervision department. A credit customer risk monitoring system is introduced here. The approving Process of each credit loan and the information of each customer will be monitored by the system which may issue conceder revising or an alert according to the risk degree. So the system can avoid or reduce the loss of the bank by perishing the risk. The system integrates many functions and focuses on the flexibility and standardization of system to improve the Practical business Process.Based on the software engineering theory, a solution is presented here. which cover search stage in the building Process of the system.