Design And Implementation Of Risk Control System Of Personal Credit Business In China Guangfa Bank

With the rapid development of financial industry, the pace of the globalizationand marketization is moving forward rapidly. For banks, credit business is not onlythe main source of revenue, but also the main risk. As an important part of the creditbusiness，personal credit business is an important part of the credit business, which ischaracterized by huge profit and low capital consumption, and is developing rapidlyin recent years. With the rapid development, the traditional manual risk controlmanagement can’t meet the requirement of the business department. Therefore, thedesign and development of personal credit risk management system has importantsignificance.Personal credit risk management system is mainly used in daily personal creditmanagement, focusing on credit risk assessment and monitoring. To promote the riskcontrol management, using the data mining and business intelligence theory, based oncomputer technology, database technology and information technology is necessary.Combined with the practical demands of risk control of China Guangfa BankChangSha branch and the feature of domestic credit risk control management, on thebasis of system demand analysis, this thesis made an overall design on the systemand data base. When designing the credit risk assessment model, the thesis analysesthe factors which affect the risk of personal letter, multi-factor fuzzy evaluationmodel is constructed. On the basis of demand analysis and overall design, the use ofSQL Server, the MVC and SSH technology of coding system, combined with the ideaof MVC thought, realization of system based on Struts presentation layer, with theSpring as the core business logic processing layer, based on Hibernate connects thebottom data persistence layer and domain module layer, then realize system. After thecompletion of the design for the system was tested, test results show that this topicdesign and development of the personal credit risk management system procedures,formal credit risk evaluation results are accurate and reliable in performance.Design and development of the personal credit risk management system is moreexcellent comparing with the traditional system with the better system framing anddealing efficiency, which provide China Guangfa Bank ChangSha Branch a more convenient and efficient personal risk control platform, and it also improves thepersonal credit management work more scientific, electronic, technical and the levelof scientific management, which can bring the banks better economic and socialbenefits.