Design And Implementation Of Bank Credit Management Software Platform Based On Risk Alarming Technology

With the development of the international integration of financial markets,substantial changes in commercial bank credit management occurred.Credit management is the core business of commercial banking,credit is the main source of the bank's profits.With the increase in commercial bank credit risk management,Only the use of advanced management mode,using advanced early warning system in order to carry out scientific and standardized management of credit business,Reduce the probability of the outbreak of the credit risk.This paper introduces the research background of commercial bank credit management,Credit business management of the existing problems were analyzed,Which leads to the study based on the system of meaning.Through needs analysis illustrates the application form thesis research in key technologies and software described,Further papers on system design principles,system structure and function modules are discussed in detail.On the credit management software platform to design the core,Designed in a modular fashion,Get into credit module,Customer Information Module,Loan approval and post-loan management module module,Meet the needs of credit risk management,Credit unified data management,Data management is also reflected on the process management system.Papers to risk early warning technology for the innovation of new technologies implemented in the software platform for credit risk early warning function of the realization,From risk measurement calculations,Enterprise computing the probability of anticipatory breach,The average expected average loss ratio calculation analysis of early warning indicators,Banks during the credit risk assessment process that can have a sufficient basis to judge the probability of the risk occurring.Real-time processing system according to the characteristics of massive data bank system,Using a high performance server as a software platform runtime environment.Bank credit risk management software system has been integrity functional testing and performance testing System from the entire structure seems clear design,performance meet the design requirements.