The Design And Realization Of Corporate Customers Rating System Based On Grails Framework

With the rapid development of information technology and the global economy, China's banking business environment is undergoing profound changes, the sudden, variability and complexity is increasingly evident. However, the risk management level of domestic banks is still rather low. Therefore, the corporate customer credit rating system is one key task for credit risk management, and it is also extremely important for the overall development of China's financial industry and the economy. So, on the basis of combining business and risk characteristics of domestic corporate customers, developing an applicable and unique rating system can meet requirements of the Basel II, and it is also an inevitable trend to improve the management capabilities of domestic banks' risk.Based on the demand research about the field of corporate customer ratings, it finds the data that credit rating requires can be extracted from other business information systems. Thus, the data integration module is increased. It also makes the credit history and due diligence reports, financial and loan information and the customer information respectively come from the enterprise credit system, monitoring and warning system, and the customer relationship management system. Then, it can extract the obtained data and make the rating score via the configured rating model.It can not only improve the efficiency of the rating work and make the process become more standardized, but also make the data more reliable. Meanwhile, it can effectively avoid the malicious data tampering, making the rating result more rigorous and impartial.The corporate customers rating system is based on the Grails framework. It uses the Groovy language and runs under the GGTS platform; it applies JBPM techniques to regulate the rating process and selects the JBPM Oryx Designer to complete the process design and improvement. The implementation process of the system are as follows: First, based on the ideas of the software engineering and the daily rating operations, it analyzes the rating system of corporate customers in detail; Then, in accordance with the needs, it completes the overall design of system architecture, functions and the database as well as the design scheme of the financial statements; Finally, it offers the implementation of the rating system.In summary, designing the rating system for corporate customers to complete the corporate customer ratings work can promote the development of domestic corporate customers. Besides, it can effectively improve the corporate customer's rating system and the management of corporate customer credit risk.