Design And Implementation Of Internal Credit Rating System For Bank Based On J2EE

Changes have taken place in means of financial transactions as the integration of economy and financial reforms are proceeding. In particular, greater pressure is imposed to bank industry and credit risk from clients possesses a high proportion of bank risk, resulting increasing banks place emphasis on the control and management of credit risk. New technologies of managing credit risk have been developed and applied in many international banks. Hence, the establishment of internal credit rating system helps banks improve their core competitiveness, contributes to the development of interior rating system and further raises management standards of banks. Anyhow, the credit rating system provides business management technologies for banks and stimulates the development of banks as well.A credit rating system based on J2EE was developed according to the features of internal credit rating system of banks. The system was equipped with Mysql and framed with a three-tiered architecture, which allowed great flexibility and expansibility. In the paper, I have sufficiently analyze finance background of banks, structure of business system and business needs and then I elaborated the main framework of the system, consisting of such sub-modules as user login, project management, initial project rating, project review, project approval, etc. The last part is about the modular design and implement of each business process on the basis of the actual process of internal credit rating system.Good expansibility, maintainability, low coupling characterized the SSH-framed internal credit rating system, with the minimum risk of modifying requirements. The decision of adopting SSH architecture was made due to its higher success rate than other architectures. Banks were traditionally not watching carefully, working inefficiently, dividing labors not clearly on key events (point-of-sales, counter unit, teller), lack self-risk guard. The study mainly developed the internal rating system and the system aimed at making up these shortages.