| Bank credit risk in all financial institutions is the largest and oldest. Bank determines a country’s economic life, and commercial Banks are the pillar of the banking systems, it through absorb deposits and issue loans, many mickle makes a muckle, and in short and lend long way for the government, enterprises and residents to provide loanable funds, support the development of the whole national economy, including other asset management companies, investment companies, such as guarantee of financing system as a whole. In recent years, influenced by internal and external factors, China’s economic growth continued to trend down, and the banking industry development is a typical economic cycle, when economic growth from speed to medium speed, all kinds of risk accumulation rise, this will be the development of commercial Banks in the past, risk management model and profit model, especially the challenge of the risk management pattern [1].Based on a thorough understanding of the new Basel capital accord related standards as well as the risks of commercial Banks in credit risk, market risk and operational risk, on the basis of the rating system elaborated the current popular management method, in combination with the practical situation of an enterprise at the same time, determine the credit risk measurement, control is available. Under the grand development of the Internet financial and large data, the traditional credit rating in the data sample collection, model development, the system USES the hit. Mainly reflected in the data sample of the quantitative data, enterprise behavior of the quantitative and unstructured, desktop virtualization requirements, etc. In recent years more and more mature cloud computing technology, can satisfy the distributed resources, big data mining, data processing ability and resource virtualization.The focus of this work is a kind of based on cloud computing credit rating schemes, namely distributed platform through the collected information of enterprise information and the behavior, through data mining platform on the collection of data modeling and verification, through virtualization technology to provide credit rating application cloud desktop. The author of this paper, through the exploration of the credit rating theory and the development of credit rating models, combined with cloud computing related technology and theoretical knowledge, to find a credit rating model of cloud computing. Cloud computing application of credit rating system is realized by VMware software.On the basis of theoretical research, according to the realization of the province small and medium-sized enterprise financing platform were analysis and design, the introduction of financing platform for distributed, data mining and virtualization technology. The core is the credit rating of the sub platform, through the integration of local government data such as industry and commerce, taxation, water, electricity and other, the use of cloud computing technology to deal with the credit rating model, to calculate and use. |
