The Design And Implementation Of Credit Management System For Small And Micro Enterprises

With the emergence of social innovation and entrepreneurs,many small and micro enterprises have been set up in China.Recently,the government has introduced various supportive policies to help the innovative start-ups,and a large amount of financial enterprises respond to these policies and focus their profit growth points on the newly established small and micro enterprises in order to obtain high returns.However,because of the uncertainty of these newly established small and micro enterprises,the investment and loan principal redemption and t he capital regulation have been included in the credit management system of many financial enterprises.Under this circumstance,it is a crucial to design a high effective capital and credit management system for these small and micro enterprises in the existing credit management system of financial industry.This thesis analyzes the characteristics of small and micro enterprises in order to design a high effective capital and credit management system for the small and micro enterprises based on their need analysis.During the design of this system,examples and illustrations are presented to analyze the functions of credit management system and their relationship for the small and micro enterprises.By doing so,the functional modules have been established.Then this thesis use LASSO-DBPNN model of LASSO algorithm conbined with deep BP neural network to solve the problems of the bank credit rating,firstly this model use LASSO algorithm to handle existing financial data of small and micro enterprises and pick up effective credit rating index,on this basis,the credit rating model of deep BP neural network is established.And then,this thesis use the loan risk degree as a decision measure that can be approved by the credit application and build the credit decision model(LRD-CD)through it to give the audit results of the enterprise credit automatically.And then,this thesis use the varied value of loan risk degree between after the loan and loan period to warn the credit risk and obtain an effective risk warning model(LRD-EW).During the implementation of this system,this thesis offers six functional modules for credit management system of small and micro enterprises,which are customer management,credit management,enterprise credit evaluation,post-loan management,inquiry statistics and system management.JSP+Structs+Oracle9i is used to implement the system function,and eventually verify the utility of this system by passing the system function tests and the pressure tests and performance tests.