Design And Implementation Of Credit Risk Evaluation System Of Individual Housing Loan

In recent years, individual housing loans of commercial banks are growing by leaps and bounds, but behind the rapid development, risk begins to increase. The risk effectively identify and assess the commercial bank individual housing loan business face, will be on control of bank risk, improve service and optimize income home buyers and suppliers market supply and demand have a great help, but also conducive to the housing market and the-national economy the healthy development.The main object of this article is to explore one of the most difficult to deal with risk-credit risk of the commercial bank individual housing loan business in the most frequently occurring. Efficiently and accurately identify credit risk assessment of the threat facing individual housing loan business brings, for the entire banking sector further and maintain a healthy and rapid development of the financial market system is of great significance.This paper describes the concept of individual housing loans, the concept of credit risk characteristics and risk management. According to the experience of the theory of academic researchers, classical statistical model and data banks, etc., this paper describe the types of mortgage risk and effective control methods in layman's language. And design a more in line with China's evaluation system, and use MATLAB software to establish the evaluation model of personal credit based on BP neural network technology.This article starts from the perspective of the credit risk control of individual housing loan and establishes on the key influence factors of the risk management of personal housing credit business of commercial banks in China, and tries to resolve this problem through the design and implementation of individual housing loans credit risk assessment system. This Web system is developed on J2EE platform in B/S model. The core system architecture is a combination of the outstanding lightweight framework, SpringMVC, and the suitable semi-automatic ORM framework for the development of the financial industry system, MyBatis. The knowledge base is built based on the MySQL database and the expert system is based on BP neural network as the core of the whole system, to develop the system,this paper use Java language to realize the system, allowing banks according to the different user groups of expert system for updating and retraining. Considering the commercial banks housing loan business use case scenarios and business experience, this system adds some functional optimization design based on the existing business process, in order to improve the efficiency and simplify the operation. Ensuring the security of information and the accuracy of judgments, this system is developed. Finally the system comprehensive test is carried out by strict software testing technology. This system improves the efficiency of housing credit evaluation work and the rate of accuracy, enhances the commercial bank's credit risk control ability and the profit ability, and improve the comprehensive competitiveness of the individual housing loan business.