Design And Implementation Of Individual Credit Risk Assessment System Of Huarong Rural Commercial Bank

Since the reform and opening up,China's commercial banks have developed rapidly and gradually shifted to diversified operations.In the process of this transformation,there are various financial risks.Among them,credit risk is one of the most important financial risks,and the frequency of oc currence is high.Huarong Rural Commercial Bank plays a role as the “main force” in supporting local rural economic development and providing financial services.The personal loan is still the main financial product for rural financial markets and the pers onal loan credit risk is undoubtedly its most important risk.For a long time,the historical factors such as the backward system and the imperfect internal management of the Rural Commercial Bank have had a greater impact on Huarong Rural Commercial Bank.As a result,Huarong Rural Commercial Bank's own personal credit risk management concepts and methods still cannot keep up with the changes in the situation,but are limited to traditional qualitative analysis and empirical judgment.The development trend of market diversification,risk complexity and business crossover is somewhat beyond the reach of the trend.Therefore,in the face of the new situation,Huarong Rural Commercial Bank needs to seriously study the market structure,recognize the nature of risk,continuously innovate credit risk management methods,improve the credit risk management system,and improve its credit risk management capabilities.In view of the problems faced by huarong rural commercial bank in the process of credit business development,this paper makes an in-depth study of credit evaluation problems.Several key parameters affecting personal credit evaluation are first obtained according to the chi-square test,and uses Logistic regression method to establish a complete credit assessment index system.In this study,the literature research method is used to sort out the factors affecting credit.Secondly,5C qualitative analysis,chi-square test and logistic regression are used to quantitatively analyze and construct a personal credit risk assessment model to predict the personal credit risk level judgment results.Finally,based on the model regression results,customer data management,customer credit evaluation,query and background management functions are analyzed from the system level.Moreover,based on the overall framework of the system business process,the system's function,database and security aspects are designed and implemented to improve the overall effectiveness and practicability of the system.