Design And Development Of The Client Rating System

As a new financial model, Internet credit is mainly used to solve financial problem not only for small and medium-sized enterprises, but also for personal loans. Internet credit redefines both the pricing mechanism of risk and satisfaction in finance. What’s more, a challenge is proposed for regulator at the same time. Although the Internet improves the Financial inclusion level,with the amount of loans growing,both lenders and borrowers need to take more responsibility, at this time we will improve the demand for credit. Along with our country gradually perfect credit reporting and credit system, the trend of Internet financial to all financial development is more and more obvious,client rating system of the traditional financial industry improve and promote the development of the Internet financial in the certain model function. Client rating system used for the customer’s credit rating to make real.In terms of lending, bank relies on client rating system to evaluate the customer’s ability to repay and hospital. Especially for public borrowing, due to its large amount, so relatively speaking assessment methods and criteria of its client rating system will be more complex. In this paper, client rating system draws on bank lending to public customers rating methodology,and on the background of Internet financial, based on the actual situation of individuals and small and medium enterprises, simplifies the evaluation process, reduces evaluation criteria,thereby it increases the lending rate and tolerance.The core service of client rating system is the enterprise customer rating and personal rating. System is composed by the user registration module, enterprise rating application module, enterprise rating recognized module, individual rating application module, individual rating recognized modules and system management module. In fact, application and recognition is the whole rating process. When the user submitted basic information, the financial information and provided supporting documents to apply, the rating started by looking at the user’s original credit, combining with direct evaluation and system evaluation,drawing preliminary conclusions, that is, Whether or not to approve the application and credit risk and credit rating is given a preliminary suggestion. After application by the compliance review and approval, the user will be able to get the final credit rating. In the rating process,the operator is divided into trial operational staff, compliance examiners, examiners andapproved auditors, each class has a clear scope of business. In the process of the operation, the system generated rating preliminary documents and rating report two documents. Preliminary documentation includes user application information and supporting information, advice of direct evaluation and the primary outcome of system Evaluation. Rating report includes not only the contents of the rating preliminary document, but also add approval(group) opinion and rating determined results. Basically, it records all the key data about customer ratings whole process.In the development process, System strictly follows the idea of software engineering, the paper describes the tasks and requirements for the various stages of the software development cycle in detail.The client rating system developed in this paper has certain social significance to the credit rating identified problems under the background of Internet finance, and plays a positive role in the development of Internet financial credit.