Design And Implementation Of Credit Risk Management System Of Commercial Bank

Since the Reform and Opening up,small and medium enterprises in China have developed rapidly,and now they have become one of the major force to push the development of national economy in China.But because small and medium enterprises lack of fundings which are essential to the development of enterprises,financial difficulties have become the main constraints and shackles for the development of small and medium enterprise.For commercial banks,due to lacking of credit for small and medium enterprises and their ability to resist risks is not strong,commercial banks are reluctantly or unwilling to lend money.In order to solve this problem,in addition to improving the relevant institutional environment,commercial banks need to solve the credit risk from their own.At present,there are still many problems in the control of mall and medium enterprises credit risks,so the state requires to strengthen the supervision of credit risk of commercial banks.However,there exist information lags in the artificial supervision,and it is inevitable to strengthen the control of small and medium enterprises credit risks.So information-based means have become an inevitable trend to strengthen the control of small and medium enterprises credit risks.This paper intends to develop a set of commercial bank credit risk supervision system,hoping to achieve the purpose of promoting credit risk supervision of commercial banks.The main contents of this paper are as follows: Firstly,the status quo of domestic and foreign research in related fields are reviewed,and the advantages and disadvantages of the research on credit risk dynamic supervision system are analyzed,which are the basis of this research;Secondly,it analyzes the demand of the system,including function requirement analysis,performance requirement analysis,system security analysis and so on;On the basis of demand analysis,the dynamic monitoring system of credit risk is designed in this paper,including the functional design of credit risk dynamic supervision system and design of system table relation and table structure,builds the data warehouse of small and medium-sized enterprise operation,which is the basic work of dynamic supervision of credit risk.And this design constructs the data warehouse of small and medium-sized enterprise operation,which is the basic work of dynamic monitoring of credit risk.At the same time,the model of dynamic supervision of credit risk is established and the model evaluation is carried out.At last,the effect of the system is given and the function and performance of the system are tested.The system has already entered the trial operation stage and received good results during the trial operation.However,the system still has some shortcomings,and has further research spaces.