The Design And Implementation Of The Credit Risk System

As the change of domestic and international economic environment, the transition of the market competition mechanism, and the new capital accord compliance, banking development needs more and more diversified and flexible new and high efficiency. Credit business as the main part of the domestic banking system, should be timely respond to the market environment, satisfy the requirement of the continuous development of external supervision, to adapt to the difference of the wholesale and retail business development, with rich business, simplify examination and approval process, the scientific risk control, credit in advance with the development strategy to cope with increasingly fierce market environment.The current credit management system is not adapt to the new capital accord, there is no risk management, risk rating process and other quantitative tools; Approval process lack of diversity and flexibility of specialized credit authorization method of examination and approval; Due to constraints such as the early technology, management, history data is wrong or not complete data, affect bank data analysis.A new generation of credit risk management system research and development functions:one, the basic process of credit:products and marketing management, credit application and approval, credit to perform, loans and non-performing assets management after management; Second, unified risk control:the customer classification management, management of detain goods, quota management; Three, professional line credit:personal line of credit, credit company line, small business line credit; Four, the information data integration:the external system interface integration, management of credit risk data statistics.This system development mainly uses the Java programming language for system design, using sysconfig design business review procedures, unit testing and integration testing system on product features, business logic and data for testing. System throughs test and satisfy the project specifications and project requirements, in accordance with the people’s bank of China and the China banking regulatory commission regulatory requirements, flexible business, examination and approval, product innovation, ensure comprehensive risk identification and monitoring of the business.