Design And Implementation Of Personal Credit Risk Management System For Bank Of Anshan

Bank of Anshan, as local banks to set an example, deals with a variety of banking operations, including management of the loan which is an important business. Loan of Bank of Anshan involves generally individuals or company business, and submits the relevant application information, then it reviews application in accordance with the relevant information. Audit process involves a lot of evaluation indicators, and then bank decides whether to grant loans.Credit rating and loan approval process require a system. In this paper, it designed a personal credit risk management system for Bank of Anshan. The system includes the functions of risk management, credit rating and loan approval. This system also provides a supporting function. For the credit rating, we use advanced algorithms, involving support vector machines for classification. It classifies clients into several types, and then trains the model. The model is used to generate credit rating score. Through testing, it was found a high rate of accuracy of our model which can effectively divides the customers into the correct types. We also provide another model of logistic regression to the customer’s credit rating. The logistic regression model can also produce good result. Both models must use empirical data. So it is necessary obtain existing artificial classify customers rating, which guarantee to get a reliable rating model. With the credit rating result, the bank manager for the loans need to audit functions, including auditing, monitoring, data and statistics. This allows the easy management of the entire banking business.At the same time, we also provide the system of the short message service, and staff through the short message function within the system for mutual communication. For some notifications and transactional arrangements can be used to complete a short message. This feature is also convenient for administrators to monitor and manage the system. There are news in your system functional group, the administrator can send in news, ordinary users can view the latest news, which facilitates the work of the entire banking system.