Design And Implementation Of Personal Credit Risk Information System In Financial Institutions

Financial industry development is toward the pace of the globalization and marketization of steady progress.For financial institutions,the business credit management is one of the key features of the core,so in the process of the implementation of the specific,is also accompanied by a more cooperative credit business.As a core part of the business of credit,consumer credit has become indispensable in the current credit markets as a key.Because of the independence of the consumer credit business,specific risk management,requires that financial institutions through a variety of channels and system construction to improve,so that it can guarantee security on personal loan funds.So,from this point of view,strengthening financial institutions consumer credit risk management is of great significance.Foreign credit rating system,based on China's credit rating system has been developed.According to the level of economic development and the actual needs,the scoring standards,reference was modified accordingly.China's credit rating system consists of four parts,namely the user background,stability,income and security support.Bank loan credit according to credit scoring system for users should be able to make a reasonable assessment,promote the promotion of user credit,to facilitate the risk avoidance and asset quality be improved significantly.However,users credit score system,which is based on the traditional model of established,does not have quantitative data models to support,cannot learn and master new knowledge,or meet the actual demand of credit risk decisions.This thesis in the system design process,from system requirements analysis,first introduced the first cause and significance of this subject,and current situation of research on credit risk management system at home and abroad are reviewed and summarized.On this premise,the study of this thesis work,meaning,advantage implemented a detailed exposition.Then consumer credit risk management information system design for financial institutions by implementing a simple description of technologies used,and the overall framework was introduced,focusing on its advantages.And the design process used to develop the language,techniques,and hardware-enforced,and eventually explains that the development of this thesis,from the angle of overall system design,ready for the next Research Foundation.In making demands on the system are explained.Principles of system development including design principles and the implementation of the principles and management principles are introduced,and on this basis from customer management,business management,interest management,query statistics,and analysis of business process requirements for personnel management and finally the system data flow analysis are all explained.The thesis mainly introduces a framework for consumer credit risk management information system planning and the specific modules of the system one by one,such as customer management,business management,and the others.In this context database implemented on the system is designed.Application on the technology uses SQL Server,MVC and SSH technology to encode system.Combining the idea of MVC,Struts based systems present the layer,and with Spring as the core business logic layer,connection based on Hibernate data persistence layer and the bottom of the field module,and at last realize the system.Implementation of finalized system,deploy first introduced the system environment,and then gives the function module interface screenshots and functional module of the algorithm and algorithm logical description.System test to test the use of methods and techniques are introduced.Then based on the actual system of the test program,to interface the system testing,security testing,functional testing,performance testing,verify that the system design is to achieve the desired goals.From the design point of view,the design of the system for personal credit risk management for financial institutions provides a convenient and efficient sound platform,improves credit management work of technology,electronic and scientific levels and the economic benefits of financial institutions,and has very good social benefits.