Analysis And Implementation Of Private Banking Risk Management System

Good risk management is not only conducive to better control of the bank operating costs,but also more important is to improve the overall economic efficiency of the bank.Thus foreign commercial banks have introduced advanced business philosophy,management technology,so as to optimize their own risk management level.On the development of the bank itself,the information risk management system to improve risk control,enhance market competitiveness.The private bank risk management system construction in credit risk management as the key point,taking full account of zero personal credit loans and loan before the loan management,in order to solve the bank risk management system to meet the actual needs of the business,but the lack of personal risk management system.This paper first discusses the research background and significance,then describes the source of the topic and the construction goal,research status and in-depth explanation of the risk management system of private banking at home and abroad,and introduces the current development in the field of bank risk management;based on the feasibility analysis in this dissertation,the system needs analysis,after to fully describe the function of the system demand analysis,the main case and sequence diagram has carried on the analysis to the main process of the system;by using the UML modeling thought,the work platform management module,the credit policy management module,customer management module,credit management module,personal credit business module,collateral and asset preservation the management module,the statistical inquiry module and system management module are designed in detail;the use of J2 EE technology and Oracle database,and the system is realized by using the MVC design pattern.In the risk management system of private banks,the system was fully tested by functional and performance testing,fully shows that the system can meet the operation requirements;the paper summarizes the work of this paper and prospect.The final establishment of the system,help the bank risk in private credit in the field of control,to enhance the competitiveness of banks in all commercial banks,to provide information support for business development,has strong application value.