Design And Implementation Of Credit Rating System For Financial Institutions

With the rapid development of financial technology and the continuous advancement of information technology,the traditional human-assessment debtor's credit rating model has been difficult to meet the current rapid development pace.How to design a set of system that can provide high efficiency,high accuracy and high applicability of the credit rating system has been of important practical significance.This thesis takes a new generation of credit rating system as the detailed object.The main task is to meet the credit rating requirements of different types of financial institutions by introducing the requirements,design and implementation process of the entire credit rating system.The core work of the thesis mainly includes: Firstly,to design and implement a credit rating system for financial institutions based on B/S architecture,the client side is implemented by the open source framework of ZK,the server side uses Java language to develop,and the database adopts relational type database Oracle with ORM framework adopting Mybatis,and publishes Web Service interface through Apache's open source framework Axis2,so as to better support the flexible connection with peripheral systems,and can simultaneously satisfy the credits of different types of financial institutions such as banks and non-banks' rating needs.Second,it provides user-defined background management functions.Indicators,rules,and models can be flexibly configured according to user needs,and maintenance is simple and convenient.Third,other third-party data can be used.Through the platform configuration,in addition to directly obtaining the rating indicator data from the foreground,the system can also associate with other databases in back end according to the customer ID to obtain more realistic and objective support data,and then run the evaluation model of the rating system.The data is available to the system including data provided by databases of financial institutions,Internet activity transactions,government agencies,social insurance,and power systems.Based on the background of the project,the thesis studies the above issues and elaborates the feasibility of the credit rating system.Thirdly,the thesis introduces the detailed design and implementation methods of each functional module.For the current design,the main functional modules of the credit rating system are implemented.Finally,the thesis analyzes and evaluates the system and indicates the next improvement plan.