The Design And Implementation Of Personal Housing Credit Management System

Currently individual housing loan business banking credit has become a major source of revenue. RCC is serving local financial institutions, is the main force of rural finance, service "three rural" and support local economic development is "our obligation." In today’s housing shortage of resources, individual housing loans has become an important way to buy a house fund raising, individual housing loans are financial propose an effective method to solve contradictions buyers. Purpose of this thesis is through ShuoZhou credit of individual housing loans management system analysis, to establish a credit rating of customers have automatic system of individual housing credit management system.Data mining is defined from a large database or data warehouse to extract implicit, unknown and potentially useful information or patterns, it is able to predict future trends and behavior to better support decision-making. They will apply to the bank customer credit evaluation, will be able to huge data seemingly unrelated data will be filtered and purified extract valuable information, customer loan applications to make appropriate response. In this paper, the use of decision tree data mining technique after pretreatment of individual housing loans centralized data mining data were analyzed and found hidden in the large amount of data in the implicit model, and ultimately get the individual housing loan risk assessment model.In this paper, the demand for individual housing credit system, function, determine the functional structure of the module, gives the overall design. Through database design, process design, page design and the functional modules of detailed design, implementation, based on the decision tree of individual housing credit management system. The system is an improvement on previous systems manual evaluation of customer credit worthiness of subjectivity, to achieve the automatic customer credit ratings. The system uses B / S structure, easy access to credit staff and systems maintenance and upgrades. The system through application of testing, basically meet user’s requirements.