Design Of Bank Individual Credit Risk Evaluation System

With mobile banking, online banking transfer, e-commerce and other banking business information process moves forward, people has put forward higher requirements on transact banking business automation. Individual credit are closely related in today’s society and people’s lives, individual credit business of commercial banks is very diverse, and the credit risk objective existence in every bank’s credit business. With the content and form of risk management business change, banks need to have an automated risk assessment system to help commercial banks clerk automatically evaluate the credit risk of individual loan applicants.The paper first analyzes the research status of the personal consumption credit risk assessment at home and abroad, prominent pointed out the importance of bank risk management. Then paper introduced the credit risk evaluation method and model of individual credit, the use of J2EE development environment and JSP technology. According to the experience and the bank personal consumer credit business in the process, the paper to set up the individual credit evaluation index system, to simulate a set of relatively reasonable index function model. Each user partition and the system function, structure of credit risk assessment system of first design in the design system. The J2EE structure of the system mainly uses the traditional three layer structure. System this paper design features to start processing business process from the user perspective, but also to evaluate the risk of credit from the bank risk management perspective. Finally has carried on the detailed design and implementation of personal credit risk assessment system, including database design, security design, system implementation, system testing. After the completion of system, the business process is imitated.This paper constructs a Web application using JSP technology, can the user login, user information input, risk score, the realization of individual credit risk quantitative assessment and assist to implement automatic credit decision. The system through the credit risk rating model differentiation, to realize the credit risk quantitative assessment and analysis, aided by the individual credit business decision, evaluation provides a powerful data support for the internal risk quantitative customer credit and banking.