Design And Implementation Of Loan Customer Risk Assessment System

With the rapid development of China's economy,the demand for funds from enterprises or individuals is becoming more and more urgent.As a result,banks have raised higher requirements for managing loans and raising capital utilization.With the gradual improvement of the management of the financial market,the management level of the bank loan business is constantly improving.The bank has done a lot of work in controlling loan risk,reducing non-performing loan ratio and reducing bad debts.With the increase of the loan business,the bank's credit management level has higher requirements.The risk of bank loans mainly comes from the risk of the borrower.If the lender is an individual,the lender's daily credit,occupation,income levels,credit risk assessment is very important.If the credit is the enterprise,the enterprise's operating conditions,enterprise scale and enterprise management level is the main factor of loan risk.The bank reform in the credit management level,through high-tech means,before the loan risk of the customer evaluation of high risk customers,take preventive measures,is the bank loan business in the future need to complete the task.In this paper,based on the actual working characteristics of the Credit Department of the Bank of China,combined with the actual needs of CCB's loan business,this paper designs and completes the risk assessment and management system of bank customer loan.In this paper,the design of the system for personal loan customers,the future work is to improve the system,increase the risk assessment of enterprise users.In this paper,the design of the system,taking full account of the financial credibility of the loan customers,through the evaluation model and the establishment of evaluation parameters,complete the credit risk assessment of individual users.The main contents of this paper are as follows:1,The system uses B/S network framework,PHP language,MYSQL database management technology to complete the design of the loan customer risk assessment system;2,The main function of the system is risk assessment,information management,business statistics and data management.3,Research and analysis the loan risk assessment algorithm.4,According to the evaluation model,analysis of the credit evaluation of loan customers,to assess the customer's credit rating.5,The application of software engineering design concepts,the design of the system design process,entity analysis,requirements analysis,use case analysis,key code analysis.