Design And Implementation Of Credit Rating System Based On J2EE For Agricultural Commercial Banks

With the rapid development of contemporary economy and the increasingly fierce competition in the financial market,the operation of financial assets risk becomes more and more complex.The market process is gradually evolving,and the main position of market participants is constantly changing,credit risk has become the main problem of modern financial development.With the continuous expansion of the scale of the capital market,the domestic banking sector in terms of funds management closely affects the bank capital chain smooth and steady degree.At the same time,the capital chain is stable and smooth and efficient flow of funds is the banks in the market to support sustainable development,rooting,expanding strong security itself,however the internal rating of credit risk is the premise of banking business development and smoothly.Credit risk rating is playing an invaluable role in the integration of information resources,credit risk measurement and monitoring and early warning,and pricing of financial products.The operation needs research agricultural firm debt,combined with the actual business needs,the design of the whole system to realize the function of the actual situation,the internal rating system of credit risk to make a judgment,a function of the plate at the same time use case diagram and the form of the system involves the description.By analyzing the functional requirements of rating system in credit risk,the system implementation technology and technical framework are determined.The system uses B/S framework,J2 EE technology,SQL Server2010 database technology and UML modeling method to realize the credit risk rating system informatization.The demand analysis of the system function and the function based on the architecture design,implementation process and implementation method of system function not only,and the functional section of internal credit risk rating system will be able to determine the form of class,plus the sequence diagram of the specific implementation of the system functions.In addition,some of the specific functions can be displayed at runtime,and some of the code and system functional test cases will be described in a simple language.At the end of this paper,the implementation process and implementation function of credit risk rating system are briefly summarized.Internal rating system of credit risk plays an important role in promoting the application of information technology in the risk management of agricultural commercial banks,and contributes to the internal rating of credit risk of agricultural commercial banks.