Design And Implementation Of Small Credit Risk Management System For Commercial Bank

All aspects of business activities,are inseparable from the bank's help.The credit service is one of the most closely linked businesses and banks.Although credit is the main business of banks,it is also the most risky business.In particular,the credit business of small and micro enterprises has small returns,large investment and higher risks.However,many well-known companies and multinational corporations have developed in small and micro enterprises.Therefore,doing a good job in the credit business of small and micro enterprises not only responds to national policies,but also benefits the development of bank customers.When conducting the credit risk analysis of small and micro enterprise customers,the commercial bank micro-credit risk management system estimates the risk of credit business through a set of risk calculation models and gives an intuitive quantitative indicator.This paper firstly studies the development background and current situation both at home and abroad of commercial bank micro-loan risk management system,and clarifies the content and significance.Then,it briefly introduces two key technologies used in system development: OLAP online analytical processing technology and database modeling technology.Subsequently,the feasibility analysis of the micro-credit risk management system of commercial banks was conducted.The system was divided into eight functional modules to analyze the functional requirements and put forward the system non-functional requirements.Then,the overall design of the system architecture,including commercial banks,micro-credit risk management system,network architecture and software systems,and system function modules and database design.Explain the design ideas and implementation details for each functional module separately,and explain some codes in the commercial bank micro-credit risk management system.Finally,we completed the testing of the micro-credit risk management system of commercial banks,amending the test results to solve the existing problems so that the micro-credit risk management system of commercial banks can meet the design requirements both in function and in performance.So as to complete the commercial bank micro-credit risk management system development and design of the entire process.The establishment of a micro-credit risk management system for commercial banks can effectively reduce the management costs of small and micro credit banks in commercial banks,enhance the efficiency of credit operations and reduce the overall risk of small and micro credit businesses.The credit risk management system for small and micro banks of commercial banks is based on computer and network technologies and relies on the existing credit risk control system of commercial banks to realize the information processing of small and micro credit businesses of commercial banks.It is hoped that the research on the micro-credit risk management system of commercial banks can greatly enhance the working efficiency of commercial banks in the management of small and micro credit risks and promote the informatization development of the micro-credit risk management of commercial banks.The research on related topics Provide valuable reference.