Design And Implementation Of Credit Rating System For Commercial Banks

Commercial Bank is by farmers, rural industrial and commercial households, corporate enterprises and other economic organizations of common shares shares of local financial institutions. Through the establishment of a bank credit rating system for the discovery of the risk of the loan is the most important technical means for the bank in regulating the business process. Bank credit rating system will be scientific, standardized, standardized management principles for development, accurate processing of various types of commercial banks information rating business, to achieve my line of credit rating system business process standardization, daily office automation, customer marketing, and rely on the perfect big data and business intelligence technology, credit evaluation system, risk prevention and control system, the establishment and optimization of scientific decision-making system.Bank credit rating system consists of four sub platforms: data management platform, credit evaluation platform, comprehensive analysis platform and system management platform, through the establishment of these four independent and interrelated platform to achieve the standardization of bank credit rating business processing. Through the acquisition of a large number of data from the bank credit rating business, the four platforms can extract, transform and load, and then carry out data mining, and provide intelligent support for the bank’s credit rating business.The main contents of this paper include:Demand modeling is based on Case Use(use case) to drive the demand analysis technology, through the external users of bank credit rating system for demand analysis and use case modeling, research system needs to obtain, analyze and verify the process;System architecture design, through the study of the distribution, data concentration, high concurrent system architecture design theory and method, the design of bank credit rating system;Database structure design of the bank credit rating system database schema analysis, and the use of the corresponding resolution rule to solve the problem of data security and database efficiency;The design of bank credit rating system is designed by the principle of the basic idea of concurrent control, transaction control, program flow chart design;The system is realized by using Java language, and spring3, ibatis and other open source framework, SQLSERVER, Weblogic, bank credit rating system;At present, I have achieved the expected effect of the bank’s credit rating system, which can provide a reliable basis for reducing the credit risk of the bank.