Design And Realization Of Bank Credit Risk Management System

With the development and progress of Internet technology,the application of software technology in various fields is becoming more With the development and progress of Internet technology,the application ofand more extensive,especially in the financial field,the use of software technology to replace a variety of complex labor to reduce labor costs and improve the efficiency of work has been very commonThis paper mainly introduces the design,development and testing process of credit risk management system of Bank.In order to achieve the new business compliance,the adequacy of risk identification,the effectiveness of the credit aspects of the performance of supervision and inspection;to achieve the stock credit asset risk real-time tracking and early warning,to achieve the full line of credit business products,And the full range of institutional risk performance analysis.We developed the Bank credit risk management system,including business risk monitoring,report analysis,public management,early warning analysis and sharing platform five modules.The business risk module implements the system early warning and early warning information processing from the single customer to the combination level,from the operation to the account.The report analysis module provides the user system of the People's Bank of China and the CBRC various types of regulatory reports,various types of fixed management reports of the bank,and supports the free query report function with flexible combination and logical operation.Public management modules include public management functions such as organization management,user management,password management,rights management,parameter management and log management.The early warning model module includes the instruction creation of the early warning model,the creation of the weighted combination model and the creation of the logical model,the maintenance function of the model,the modification of the model,the maintenance function of the model,the usage statistics of model,version management and model test unit.Sharing platform to provide system users to upload and download related work experience.external regulations and the relevant provisions of the Bank,to provide departmental work notice and related announcements.