Design And Implementation Of Commercial Bank Risk Rating System

With the gradual increase in the types and quantities of financial institutions in financial markets,the monitoring of institutional bankruptcy risks has become the core part of the management of commercial banks.The commercial bank risk rating system is one of the most important parts of the People's Bank of China's risk management,monitoring the development of institutions,preventing the damage of people's interests,and avoiding the bankruptcy of financial institutions.The effectiveness of banks is directly related to the quality of financial institutions.At present,foreign countries have successively developed various financial institution rating models,which have improved the bank's ability to manage and control the financial institution's bankruptcy risk.However,the domestic rating management and risk analysis and forecasting of financial institutions are still in their infancy,so they are established.A complete and safe commercial bank risk rating system is an inevitable trend of China's supervision of financial institutions,and an effective means to manage the safe and stable development of the financial environment.This article takes the commercial bank risk rating system developed by the author's unit as the research object.I participated in the project from system requirements analysis,design and development to testing and online.Firstly,the risk rating system is analyzed for functional and non-functional requirements,then the system development framework is designed,and the interface and database are designed.Finally,combined with the current popular technology,the module design of the commercial bank risk rating system is completed based on the actual business of risk rating.Development work.The CART algorithm in the decision tree is used to establish the rating model,and the model is displayed on the risk rating page in the form of a scorecard.The scores of the organization's risk are calculated by reporting the data report of the organization and the scorecard of the interface,and the score is calculated according to the score and grade.The correspondence is the initial rating of the institution.The system mainly includes a system management module,an organization management module,a data submission module,a data mining module,a risk rating module,a report management,and a rating configuration management module.The seven modules of the system were implemented,and the data mining and the internal data of the bank were combined to realize the implementation.The commercial bank risk rating system is put into use on the production line.The results show that the commercial bank risk rating system using the new model has good practicability.Through the research and development and implementation of the system,the commercial bank risk is more accurate to the financial institution risk.Monitoring has reduced the bank's loss to the financial institutions' bankruptcy,and has also improved the efficiency of the central bank's commercial banks' risk rating management and the level of financial institutions.The initial goal of the system design was achieved.