Design And Implementation Of Credit Risk Management And Early-warning System For Small And Micro Enterprises

In recent years,with the promotion and guide of national policy,commercial banks have paid more and more attention on credit to small and micro businesses.Thus,both the credit business and the total loan of small and micro businesses have developed rapidly.The non-performing loan of the banks,which is caused by the increase of small and micro business total loan and its acceleration,may expand accordingly.Due to the facts that the bank's business has been geared to the needs of large and medium-sized enterprises,the bank's credit audit and credit risk management towards small and micro businesses are not perfect,and small and micro enterprises generally have problems for management system,weak ability to resist risks and low information transparency,which leads to a higher risk of small and micro enterprise loans to banks.How to control the credit risk effectively and how to keep the safety of credit funds have become the key problems needed to resolve to banks,which are in the process of the development of small and micro business loan business.With the gradual marketization of China's financial system reform,the competition between China's financial industry and foreign financial institutions will be more intense.With the expansion of personal and corpora te credit business,commercial banks' credit products constantly enrich,and the requirements for the standardization of the credit business management also continue to improve.Banks have employed IT to build up credit management system instead of the tra ditional artificial management way in credit management and financial accounting gradually.The new system implements efficient credit management and accurate financial accounting.Bank credit management system,which completes the operation of the credit business management analysis and decision support,is an important part of management information system.The early warning system of credit risk management,which is a kind of management mode in advance,serves as an extension of credit management system.It employs computer system to monitoring analysis the specific economic subject roundly,and discoveries and criterions related credit risk in advance,then to send end out the corresponding risk warning signal.We contact this paper with small and micro business' s difficulty in financing.It analyze the similarities between the small and micro business and the large and medium-sized enterprise credit business.At the same time,we pay attention to the individuation requirement of the consumer in small and micro business and Commercial bank credit management system of credit business.On the basis of demand analysis of the commercial bank credit management system,this paper feasibility analyze the credit risk management warning system and the establishment of the system model,system architecture of the application level,overall architecture of the network structure and the structure design of each business module.At last,further efforts is making to the credit risk management early warning system desig n and implementation.