J2EE Platform-based Rivate Lending Credit The Design And Lmpiementation Of The Rating System

In recent years, China’s total private lending every year more than950billionyuan, about GDP7%, such a large data standardization, information technology, andthe sun did not regulatory. Private lending has30years of history in our country, suchas small and medium enterprises is relatively dense Wenzhou, Zhejiang Province andother regions, is rich private funds, borrowing more frequent, higher credit crisis hair.The chain is broken, because the enterprise funds in the second half of2011, a numberof companies unable to repay the principal and interest of private lending and bank,dozens boss either on foot or jumping off a building, seriously affecting the normaldevelopment of the local economy in Wenzhou. In response to and prevention of theabove circumstances, it is necessary to effectively control and manage the credit riskof the private lending, while increasing supervision of private lending.In this paper, the design according to its own characteristics of private lendingprivate lending credit rating system based on J2EE platform suitable for China’snational conditions, set forth the full use of computer information technology andsoftware technology and financial analysis of private lending to non-financial factors(qualitative factors)factors (quantitative factors) to determine the credit rating ofprivate lending, and control the risks of private lending and private lending creditrating information storage, collection, summary, and reflect the business processesand process management and control for private lendingsun, standardization,information technology provides a scientific and efficient credit rating systemsoftware.At the same time, the creation of a spontaneously by private capital formation ofprivate lending credit rating service center, intended to operate independently as aself-financing, independent enterprise legal operation, and can be set up around thebranches, for personal and non-financial institutions to participate in folklendingpractices provides credit ratings and related ancillary services, and actively promotethe standardization of private lending, sun, information technology developmentthrough information technology and financial innovation.