Design And Implementation Of Credit Analysis System For SME Lending

SMEs have made tremendous contributions in terms of quantity,taxation and employment,and have played a pivotal role in China's economic development.The biggest constraint on the development of SMEs is the financing problem.However,the management of SMEs is confusing,the guarantee information is not clear,and the financial information is incomplete.The credit of SMEs is not clear,the borrowing costs of lending institutions increase,and lending institutions are not willing to lend to SMEs.The purpose of this paper is to establish a credit analysis system for SME lending,which is convenient for lending institutions to check the basic situation,operating status,debt status and default of the enterprise,and give the credit score of the enterprise.The focus of this system is on the prediction of SME credit scores.The enterprise credit score prediction needs to combine the basic information,business status,debt status,and overdue records of the company to estimate the probability of default of the enterprise,and then convert it into corporate credit.Rating,depending on the level of the score,decide whether to apply for a loan through the company.The establishment of the scoring system allows the lending institution to conduct bulk evaluation and real-time monitoring of the credit of the enterprise,thereby reducing the cost of borrowing.For the enterprise itself,it can help the company maintain a good reputation and improve social credibility.This paper first introduces the related technology of the system.This system develops and uses the Django framework,uses the Scrapy framework to crawl third-party data,combines Bootstrap and jQuery technology to develop the front-end interface,MySQL is the data storage,and the enterprise credit score is combined with the enterprise through the XGBoost model.Qualitative and quantitative indicators are used for forecasting.Secondly,it introduces the functional requirements and non-functional requirements of the SME loan credit analysis system,and divides the system into four parts:data acquisition module,data analysis module,risk assessment module and risk warning.Requirements analysis,summary design,and database design.Then the detailed design and implementation of each module of the system are elaborated through flow chart,class diagram,timing diagram and user interface,and the main methods of each module are described in detail.Finally,the functional and non-functional tests of the system are introduced.