X Financial Company Credit Rating System Development And Application

Credit rating system is the internal rating system of banks to regulate the credit business,reduce the risk of loans. This system is used for an objective and fair evaluation on the ratedobjects to fulfill the responsibilities and trustworthy. In order to adapt to the New BaselAgreement and financial environment this article used JZEE construction for the customerrating system. And made reconstruction and development in the project creation, enterpriseinformation maintenance, item rating and approval, user management and securitymanagement based on new contents of New Basel Agreement.This article focuses on the characteristics of customer credit rating business for aviationindustry financial company and according to the characteristics of the members of the groupunits business, makes corresponding adjustments to the evaluation index system. Establisheda standardized and individualized evaluation model. According to the credit rating of the dailybusiness and operation process, the credit rating business system conducted a comprehensiveneeds analysis. On the fundamental of system requirements analysis, designed the ratingsystem and the function structure of the whole system. The technical framework consideredthe system scalability, maintainability and performance problems, and further gives the designscheme of the system database.By a variety of methods validation, the credit rating results basically accord with the normaldistribution expected. Furthermore the credit rating results to customers consistent with manyexperienced credit expert’s determination. That the credit rating model is basically reasonable,also proved that the computer aided credit rating is feasible in practice.