某银行信贷审核与个信风险评估系统的设计与实施

【作者】 杨宏伟；

【导师】 宋斌； 成强生；

【作者基本信息】 南京理工大学 ， 计算机技术（专业学位）， 2018， 硕士

【摘要】 对于商业银行来讲,他们已经开始重视信贷管理业务的重要性,在控制运营成本方面将信贷管理作为主要手段,通过更合理的、更好的管理手段为银行提升经济效益提供帮助。银行在信贷管理方面遇到了很多的问题,银行缺少制度政策,没有相关的规定来使银行的信贷管理规范化,银行缺少信贷管理专业化人才团队,现有的业务人员专业化程度不高,责任心不强,信贷决策缺少数据支持,往往通过主观性决定是否可以信贷,而不是经过严格的调查,很多时候,借款主体可能是依靠关系进行信贷,或者是信贷主体自身不合规或者担保方不合法。面对上述问题,银行只有通过引入更为现代化的管理工具和手段才能更好的实现信贷管理和风险控制。本文主要是在研究银行信贷管理业务背景及现状的基础上,对银行信贷管理业务进行分析,发现当前存在的诸多问题,进行系统需求分析,完成业务流程分析、数据流程分析,通过系统的用例图以及用例描述完成客户管理、客户评级、授信管理、用信管理、台账查询、风险分类、贷后管理、资产管理、档案管理、报表管理以及系统设置等功能,之后完成了系统的非功能需求分析,在需求分析的基础之上,完成系统网络架构设计、技术架构设计以及总体架构设计,之后完成系统总体功能设计以及数据库设计,在数据库设计环节,完成系统数据库实体关系设计以及表结构设计,之后通过时序图、活动图以及类图等完成系统主要功能的设计过程。最后,选择Java EE开发平台,利用JAVA开发语言、Oracle数据库,使用SpringMVC架构,最终设计并实现了一套基于B/S模式的银行信贷管理系统,完成系统的开发工作之后,对系统进行功能和性能的测试工作,通过测试环境与测试用例,进行功能测试,之后进行系统性能测试,系统测试完毕且通过后,可以投入上线使用。系统投入使用,使传统的手工业务处理变为信息化管理,不仅能够提高工作效率,还可以降低出错率,同时减少用户等待时间,提升用户的满意度。促进银行控制经营成本、提升经营效益,实现银行信贷管理信息化,利用现代化工具进行信贷管理、风险管理,从整体上提高银行的信息化管理水平,能够提升银行的市场竞争能力,提升风险管控能力,能够促进银行的可持续发展,使管理更高效,业务更明朗,使信贷管理业务达到标准化、科学化和规范化,对银行信息化水平提高、资产负债成本的降低、实现电子化流程管理都具有战略意义。更多还原

【Abstract】 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.更多还原