商业银行信用评级系统的设计与实现

发布时间：2018-03-29 01:37

本文选题：商业银行　切入点：信贷　出处：《吉林大学》2015年硕士论文

【摘要】：商业银行(Commercial Bank)是由辖内农民、农村工商户、企业法人和其他经济组织共同入股组成的股份制的地方性金融机构。通过建立银行信用评级系统用于发现贷款的风险是商业银行在规范业务过程中采取的最主要的技术手段。银行信用评级系统将科学化、标准化、规范化的管理原则进行开发,精准地处理多种类型的商业银行信息评级业务,实现商业行信用评级系统业务流程规范化、日常办公自动化、客户营销精准化,并依托完善的大数据和商业智能技术,实现信用评价体系、风险防控体系、科学决策体系的建立与优化。银行信用评级系统由四个子平台构成:数据管理平台、信用评估平台、综合分析平台和系统管理平台,通过建立这四个彼此独立又相互联系的平台,实现银行信用评级业务处理的规范化。这四个平台通过获取大量的与银行信用评级业务相关的数据,进行抽取、转换、装载,进而进行数据挖掘,为银行的信用评级业务提供智能化支持。本论文的主要内容包括:需求建模主要采用用例(Use Case)驱动这一需求分析技术进行,通过对银行信用评级系统的外部使用者进行需求分析与用例建模,研究系统需求的获取、分析与验证的过程;体系架构设计通过研究计算分布、数据集中、高并发系统等体系架构设计方面的理论和方法,进行银行信用评级的体系架构的设计;数据库架构设计对银行信用评级系统的数据库架构模式进行分析,并采用相应的拆分规则解决系统数据安全及数据库效率问题;概要设计通过对并发控制、事务控制、程序流程图设计的基本思想的原则对银行信用评级系统进行设计;系统实现通过运用Java语言、以及spring3、ibatis等开源框架、SQLSERVER、weblogic实现银行信用评级系统;目前商业银行信用评级系统已经上线运行,已经取得了预期的效果,为减轻银行的信用风险提供了可靠的依据。
[Abstract]:Commercial Bank is made up of farmers, rural industrial and commercial households, A joint-stock local financial institution in which corporate persons and other economic organizations have a joint stake. The most important step taken by commercial banks in standardizing their business is to establish a bank credit rating system to detect the risks of loans. Bank credit rating system will be scientific, Development of standardized, standardized management principles, accurate handling of various types of commercial bank information rating business, standardization of business process of commercial bank credit rating system, routine office automation, accurate customer marketing, Based on the perfect big data and business intelligence technology, the credit evaluation system, the risk prevention and control system and the scientific decision-making system are established and optimized. The bank credit rating system is composed of four sub-platforms: data management platform, credit evaluation platform, and so on. The integrated analysis platform and the system management platform, through the establishment of these four independent and interrelated platforms, These four platforms extract, transform and load a large amount of data related to bank credit rating business, and then carry out data mining. The main contents of this paper are as follows: use case case is used to drive the requirement analysis technology. Through the requirement analysis and use case modeling of the external users of the bank credit rating system, the process of obtaining, analyzing and verifying the system requirements is studied. The theory and method of architecture design of high concurrent system, the design of the system architecture of bank credit rating, the design of database architecture, the analysis of the database schema of bank credit rating system, The corresponding split rules are adopted to solve the problems of data security and database efficiency, and the bank credit rating system is designed based on the principles of concurrency control, transaction control and program flow chart design. The system realizes the bank credit rating system through the use of Java and SQL Server WebLogic, which is an open source framework such as spring3 / ibatis. At present, the credit rating system of commercial banks has been put into operation and has achieved the expected results. In order to reduce the credit risk of the bank to provide a reliable basis.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：TP311.52

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