Design And Implementation Of A Bank's Credit Review And Personal Credit Risk Assessment System

For commercial Banks,they have begun to focus on the importance of credit management,with credit management as a primary means of controlling operational costs,they help Banks improve their economic benefits through more rational and better management.Shandong rural commercial bank has encountered a lot of problems in the credit management,and it lacks institutional policies.There are no regulations to normalize the credit management.It is lack of a professional team for the bank.The existing staff has not high degree of specialization,and weak sense of responsibility,it is lack of data support for credit decisions,It is often decided whether or not to take credit by subjectivity,rather than by rigorous investigation.In general,the borrowers may depend on the relationship for credit,or the credit subject itself is not compliant or the guarantor is illegal.Based on the above questions,only by introducing more modern management tools and means can the bank achieve better credit management and risk control.This paper was based on the background and current situation of bank credit management.It found the current problems,analyzed the system requirements and it completed business process and data flow analysis.It completed customer management,customer rating,credit management,use credit,parameter query,risk classification,and post-loan management,asset management,file management,report management and system Settings,and other functions through the system use case diagrams and use case descriptions.After that,it completed the system non-functional requirement analysis.On the basis of demand analysis,it completed system network architecture design,technical architecture design,and overall architecture design,then it completed the overall system function design and database design.During the database design process,it completed the entity relationship design and table structure design,and then,it completed the design process of the main functions through sequence diagrams,activity diagrams,and class diagrams.At last,with Java EE as development platform,JAVA as the development language,Oracle as database,SpringMVC as framework,it designed and implemented a set of bank credit management system based on B/S mode.After accomplishing the development of the system,it performed functional and performance testing through test environment and test cases,after the test's pass,it can be put into use.With the use of the system,it transformed traditional manual business into information management,it improved work efficiency,reduced error rate,at the same time,it reduced the user waiting time and improved users' satisfaction.It promoted that the rural commercial bank controlled the operating costs,improved the management benefit,realized rural commercial bank credit management informationization,it achieved credit management and risk management with modern tools,and improved the information management level of the bank as a whole.and enhanced the rural commercial bank's market competition ability,improved risk control ability.It made management more efficient,business clearer,and credit management business standardized,scientific and standardized.It had strategic significance in promoting the sustainable development and rural commercial bank's informatization level,reducing the assets and liabilities' cost,and realizing electronic process management.