循环担保风险排查系统的设计与实现

发布时间：2019-04-27 16:10

【摘要】：随着金融全球信息化的发展,中小企业对贷款的需求量与日俱增,信贷风险自然而然也就成为了金融监管部门进行风险管理与控制防范的主要目标,这就要求银行必须采取相应措施加强对银行信贷风险的管理。银行信贷分析系统是整个信贷风险管理系统最基础的部分,然而在进入银行信贷分析系统之前,需要对银行信贷客户进行基本信息的排查。目前很多银行内部,都没有专门用于排查的系统,像交通银行内部就一直通过数据表格进行所需查询,这样不仅效率低,而且准确率也得不到保障。本论文所研究的循环担保风险排查系统是根据中国交通银行山东省分行内部的专用业务需求进行设计开发的,在进入信贷分析系统之前,需要对授信客户或者担保客户进行基本信息查询,通过查询将客户的所有信贷信息形象直观的展现出来,并对客户进行简单的风险分析工作,查看是否存在循环担保现象,找出存在的风险关系,为下一步银行进行信贷风险管理提供重要参考。论文主要介绍了循环担保风险排查系统的设计和实现过程。首先,对课题研究背景、现状及论文工作进行了简单介绍,对系统整个开发过程中所涉及的软件项目管理思想及相关技术进行了说明,讨论了系统的开发原则及可行性研究,对系统的业务流程需求也做了详细的分析;其次,根据交通银行业务需求分析,提供了系统基本架构设计及客户管理、系统管理、人员管理、风险管理、查询统计等方面的详细设计方案;最后,进行了系统部分功能模块的测试,并通过代码说明了各功能模块实现的过程。本文研究开发的循环担保风险排查系统采用C++中MFC应用程序框架,结合程序开发的三层C/S架构,在Visual Studio 2010开发环境下,通过ODBC链接数据库平台SQL Server 2008完成系统的开发。该系统实现了客户基本信息查询及直观显示工作,并提供相应的数据报表,为后期进行信贷分析提供方便。目前,该系统已在中国交通银行山东省分行内网上线运行,从用户使用效果来看,该系统的基本功能已达到了设计预期的效果。
[Abstract]:With the development of financial global informatization, the demand of small and medium-sized enterprises for loans is increasing day by day, and the credit risk naturally becomes the main goal of risk management and control prevention of financial supervision departments. This requires banks to take appropriate measures to strengthen the management of bank credit risk. The bank credit analysis system is the most basic part of the whole credit risk management system. However, before entering the bank credit analysis system, it is necessary to check the basic information of the bank credit customers. At present, many banks do not have a specific system for inspection, such as the Bank of Communications has been through the data tables to conduct the required queries, which is not only inefficient, but also the accuracy is not guaranteed. The circular guarantee risk detection system studied in this paper is designed and developed according to the special business needs of Shandong Branch of the Bank of Communications of China. Before entering the credit analysis system, It is necessary to query the basic information of the client or guarantee customer, show all the credit information of the customer intuitively through the inquiry, and make a simple risk analysis to the customer to see if there is a circular guarantee phenomenon. Find out the existing risk relationship, and provide an important reference for the next step of bank credit risk management. This paper mainly introduces the design and implementation of circular guarantee risk detection system. Firstly, this paper briefly introduces the research background, current situation and the work of the thesis, explains the software project management thought and related technology involved in the whole development process of the system, and discusses the development principle and feasibility study of the system. The business process requirements of the system are also analyzed in detail. Secondly, according to the analysis of the business needs of the Bank of Communications, it provides the detailed design scheme of the system basic structure design, customer management, system management, personnel management, risk management, inquiry statistics and so on. Finally, some functional modules of the system are tested, and the realization process of each functional module is explained by code. The circular guarantee risk detection system developed in this paper adopts the framework of MFC application program in C, combined with the three-tier C / S architecture developed by the program, and completes the development of the system through ODBC linked database platform SQL Server 2008 under the development environment of Visual Studio 2010. The system realizes customer basic information inquiry and visual display, and provides corresponding data report forms, which provides convenience for later credit analysis. At present, the system has been running on the Internet of Shandong Branch of the Bank of Communications of China, and the basic function of the system has reached the expected effect of the design according to the user's application effect.
【学位授予单位】：济南大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：TP311.52

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