Customer Risk Early Warning System Of Rural Commercial Bank

In recent years, with the continuous progress of the domestic financial reform, especially the rapid development of Internet banking, the traditional banking industry has been a huge impact, the rural commercial banks are particularly difficult to survive. Rural commercial banks to boost the development of "agriculture, countryside and farmers is difficult to effectively,this paper to the Basel Accord, credit risk management system based, combined with rural commercial bank business, use the customer risk model, trying to establish a with the actual situation of the rural commercial bank customer risk early warning system, reverse the bank credit business "heavy loan light pipe"status, rural commercial bank credit business development, decision making, to provide scientific information support. Its main work is divided into the following stages:1.On the basis of analyzing the bad loans of banks and customer ratings and early warning, the feasibility analysis of the construction of customer risk early warning system, using OOA method to analyze the needs of the risk warning model of the resume.2.Through the years of rural commercial banks non-performing loan data processing, sorting and analysis, resume customer risk early warning model.3.In the process of system implementation, the main use of Java programming, combined with the mainstream Java framework Struts2, Extjs,Came Apache to achieve the main function of customer risk warning system.Through the establishment of this customer risk early warning system, we can effectively prevent and control the risk of the rural commercial banks in the actual operation of the various aspects of the risk, timely warning system for customers to early warning screening. To a certain extent, make up the weak competitive disadvantage of the rural commercial bank's weak base of science and technology. Changes in the past, the loan risk control lag, from the front of the loan, the loan, the full range of credit control, as far as possible to control the credit risk.