Design And Implementation Of Personal Credit Evaluation System For Banks

Basel Committee on Banking Supervision banking supervision authority as aninternational business organization in June2004adopted the "New Basel CapitalAccord ", the ultimate purpose of the agreement is to deal with the credit risk and therisk of acting against its financial market risk." The New Basel Capital Accord,"presented to credit risk, market risk and operational risk management as the core ofthe new regulatory framework. Introduced the " New Basel Capital Accord," theagreement requires changes in domestic and foreign banks (or financial institution)organizational structure to adapt and respond. Therefore, to meet the requirements ofthe new agreement, China ’s commercial banks must be based on the requirements ofthe agreement, to improve the risk management of banks (including the assessmentand prevention) level, and based on the basic requirements of the Basel agreement andimplementation requirements, based on the use of information management systemspersonal credit risk management techniques, establish reasonable personal creditevaluation index system. Object of study that is based on the credit assessment systemcredit assessment models.The system is designed to achieve the assessment of the business of banks,including Bank of personnel management subsystem, the credit card subsystemadjustment subsystem, the user query subsystem. Bank personnel managementsubsystem to achieve the bank staff to do cards and adjustments for registration, re-evaluation of the rules and set up a credit card to do adjustment rules, independentadjustment scores; do card subsystem to achieve the free guarantee, warrantyguarantee, mortgage or pledge the card in the form of credit assessment; adjustsubsystems to achieve the timely adjustment of credit card and half adjustments;households query subsystem to achieve the basic information on credit card users,system notifications, and help information for the inquiry. The implementation of thesystem is not only strengthened itscredit card holders credit tube now, and standardize the operation and processcustomer credit rating, improve work efficiency, and effectively assess the domesticcommercial banks credit rating standards on the personal customers, norms individualcustomer credit rating operations and processes to effectively prevent credit risks...