Design And Implementation Of Credit Guarantee System

Credit for enterprises is a major commercial bank operational risk, credit risk andproduce large amounts of non-performing loans has become a major problem affectingthe development of China’s banking industry. Credit risk control and management ondemand directly affect the stability and development of the commercial banks and theirsystem of internal credit rating system to establish a well-established commercial banksgradually become inevitable under the new regulatory requirements, but also affect thethe commercial bank’s core competitiveness. Some foreign financial institutionscontinue to develop different types of credit risk management models, credit riskmanagement and predictive capability has been further enhanced. Domestic commercialbanks’ credit risk analysis capabilities have yet to be enhanced, mainly relying on thetraditional management model, while taking advantage of modern risk managementmodel for credit risk analysis capabilities also need to be further improved.First home and abroad dynamic analysis, presentation and analysis of modern creditrisk measurement models, the line real loan sample, while taking advantage of theCART decision tree algorithms in data mining, data data collectionfurther pretreatmentand extraction, in order to establish specific scoring model, decision tree model basedanalysis of its corresponding attributes, and adjust the model of the respectiveapplication case, so as to establish the corresponding to the actual needs of thenewcustomer credit scoring models. Wrong and then through the analysis of sampledata points probability and prediction success rate indicators, clear customer creditrating model performance for enterprise credit guarantee system intermediate, lowercredit level user, the actual assessment of the accuracy of through a series of subjectiveevaluation method to adjust the objective model, and eventually the credit score andguarantees complete system can contain objective and subjective factors, so that a moreeffective measure of the degree of customer credit, and finally to design and implementan enterprise credit guarantee system of function module, at the same time be able toapply to my line of credit and guarantee system, so that customers get a perfect creditrating in the loan before the examination and post-loan. Data mining techniques to study the technical details of the corporate credit guaranteesystem, in order to be able to establish a more objective and scientific at the same timewith a certain degree of forward-looking, and can in advance to avoid the credit ratingof customer credit riskthrough this research, the credit rating of the credit guaranteesystem to get more and more attention.