Design And Implementation Of Commercial Bank Credit Rating System Based On Data Mining

At present,the credit risk is the most important part of credit risk management.The quality of credit risk management has a direct impact on the bank's efficiency.And it is also one of the effective means to avoid bad loans.The effectively management of credit rating by commercial banks can greatly promote the healthy and stable development of banking and financial architecture.At foreign countries,the related financial institutions have already developed a variety of credit rating models to manage corporate credit rating,which improve the capability f corporate customer credit risk management and control.But in our country,the analysis and forecasting for the commercial banks corporate credit rating is still in its infancy.So the establishment of a secure internal credit rating system is an inevitable trend for the commercial banks,while it is also an effective means to improve the competitiveness of commercial banks.Firstly the paper introduces the background and significance of commercial bank credit management and analysis of the status of the application of data mining in the credit rating management.From the aspect of actual business of commercial bank credit management,the paper completed the main functional models of the credit system and the design of its sub module.The system used data mining decision tree algorithm to establish a corporate customer credit rating model.Finally,the system realized the main function modules and used the case analysis of the data mining system to describe its realization.The result shows that the design and development of the system can better meet the needs of the commercial bank management of credit rating for the enterprise customers credit rating.At the same time,the system has a good practicability for the credit rating management based on data mining and achieved the basic requirements of the system designation.By the development and implementation of the system,it will regulate commercial bank credit management for enterprise customers,reduce credit risk of commercial banks,and improve the efficiency and level of credit management for enterprise customers.