Analysis And Design Of Commercial Bank Personal Consumption Credit Risk Management System

In recent years, due to the growing domestic commercial bank’s personal consumer credit business are favored by consumers, has gradually become an important business of commercial banks in China, during the commercial banks have brought huge profits income, also bear the enormous personal consumption credit risk. At present, how to prevent this important issue of consumer credit risk is not resolved good, so, in order to overcome the assessment and management of current commercial bank personal consumption credit risk disadvantage, and establish a scientific and effective, perfect credit risk management system, to reduce credit risk from the root which may happen before the survey, become the most urgent task of banking industry currently.Given all of the above, in order to control the credit risk to carry on the effective management, setting up the scientific and standard system, from the demand analysis to the system of business process, analyzes the system. Through the use of UML technology, workflow technology, SQL Server2008technology, based on B/S architecture, Analysis and design a personal consumption credit risk assessment management system, the front desk has simple operation interface, the background can interact the data with the the bank core business system, the people’s Bank personal credit system, the third channels of information through the database, to realize the personal consumption credit risk assessment management system function.Finally, make a summary to the full text research, wrote of the innovation and deficiencies of the paper, and the proposed research prospect.