The Development And Application Of Risk Analysis For Commercial Bank Loands To Peasant House Holds

The rural credit management of the commercial bank has the followingcharacteristics: dispersed widely, in a weak economic foundation and the small numberof loans. Because of the rural economy and urban economic system is fundamentallydifferent, the commercial banks with large differences in risk management for the bothof them. There is an urgent need to establish an assets management information systemfor loans and credit assessment work. Commercial bank can behavioral risk monitoringand standardized to meet the credit requirements by the risk analysis system. On theother hand, by the system we can improve the management of rural credit operations forcommercial bank.Currently, commercial banks’ MIS system is more common. With the WesternDevelopment, Monetary policy gradually to cover the vast rural business, informationsystems, but the lack of rural credit system and its support. Rural economic base is weak,farmers were generally lower income workers, lending funds is on high risk level.Commercial banks are lack of appropriate information system and analysis system forlending procedure. In rapid development of Internet technology, the use of computertechnology and the Internet technology for rural credit risk personnel data managementhas become possible. Loans can be set up through a separate risk analysis system withopening interface to collection and sharing data. Finally, the system can return theanalysis results to the credit rating level.This thesis describes the development of the risk analysis system for commercialbank lenders standing on software engineering. We did innovative research based ondeep seated analysis of rural credit management. This system use Microsoft.NET andJQuery as a development framework, use SQL Server2008as database server. We usesome outstanding design concept of the internet technology to make system stronger.Through the development, we complete the following primary functions: customerregistration, loans management, repayment management and credit rating and so on.Final, the test results show that the system meets the basic requirements.