云计算在企业信用评级系统中的应用

发布时间：2019-06-11 21:29

【摘要】：银行是目前所有金融机构中信用风险最大和最古老的。任何一个国家的经济命脉都会和银行息息相关,特别是商业银行,它主要通过吸收并发放存款的形式积少成多以此方式为需要资金的领域提供可贷资金,从而支持国民经济的发展,其他包括资产管理公司、投资公司、担保公司等组成整体融资体系。近年来,受内外部因素影响,我国经济增速持续呈现回落态势,而银行业发展则是典型的顺经济周期,当经济增长从高速运行转向中速时,各类风险不断积累上升,这将是某银行的发展模式在过去,风险管理和盈利模式,特别是风险管理模式的挑战[1]。本文是在深入懂得巴塞尔新资本协议的有关准则以及某银行面临的风险主要体现在信用危机、市场危机和操作危机的基础上,系统的阐述了当前流行的评级管理办法,同时结合某企业实际情况,确定信用风险目前是可计量、可控制的。在互联网金融和大数据的大发展下,传统的信用评级在数据样本收集、模型开发、系统使用等方面均受到了冲击。主要体现在数据样本的全量化、企业行为数据的全量化及非结构化、系统桌面虚拟化要求等。而近年来越来越成熟的云计算技术,可以满足分布式调用资源、大数据挖掘、大数据处理能力和资源虚拟化。本文工作的重点是一种基于云计算的信用评级方案,即通过分布式平台收集企业信息和行为信息,通过大数据挖掘平台对收集的数据进行建模和验证,通过虚拟化技术来提供信用评级应用云桌面。本文作者通过对信用评级理论和信用评级模型开发的探索,同时结合云计算相关技术和理论知识,找到了一种云计算的信用评级解决模式。通过VMware软件初步实现了信用评级系统的云计算应用。最后在理论研究的基础上,按照某省中小企业融资平台的实现进行了设计分析,将融资平台引入了分布式、数据挖掘和虚拟化技术,其中的核心是信用评级子平台,通过整合地方政府数据如工商、税务、水、电力等,采用云计算技术来处理信用评级的建模、运算和使用。
[Abstract]:Banks are the largest and oldest of all financial institutions at present. The economic lifeline of any country will be closely related to banks, especially commercial banks, which mainly provide loanable funds for areas in need of funds by absorbing and issuing deposits in this way, so as to support the development of the national economy. Others, including asset management companies, investment companies, guarantee companies and so on, constitute the overall financing system. In recent years, under the influence of internal and external factors, China's economic growth rate continues to show a downward trend, and the development of the banking industry is a typical smooth economic cycle. When economic growth changes from high speed to medium speed, all kinds of risks continue to accumulate and rise, which will be the challenge of a bank's development model in the past, risk management and profit model, especially the risk management model [1]. On the basis of deeply understanding the relevant norms of the New Capital Accord and the risks faced by a bank are mainly reflected in the credit crisis, market crisis and operational crisis, this paper systematically expounds the current popular rating management methods, and at the same time, combined with the actual situation of an enterprise, determines that the credit risk is currently quantifiable and controllable. With the great development of Internet finance and big data, the traditional credit rating has been impacted in the aspects of data sample collection, model development, system use and so on. It is mainly reflected in the full quantification of data samples, the full quantification and unstructure of enterprise behavior data, the requirements of system desktop virtualization, and so on. In recent years, the more mature cloud computing technology, can meet the distributed call resources, big data mining, big data processing ability and resource virtualization. The focus of this paper is a credit rating scheme based on cloud computing, that is, collecting enterprise information and behavior information through distributed platform, modeling and verifying the collected data through big data mining platform, and providing credit rating application cloud desktop through virtualization technology. Through the exploration of the development of credit rating theory and credit rating model, and combined with the related technology and theoretical knowledge of cloud computing, the author finds a credit rating solution model of cloud computing. The cloud computing application of credit rating system is realized by VMware software. Finally, on the basis of theoretical research, according to the realization of the financing platform of small and medium-sized enterprises in a province, the financing platform is introduced into distributed, data mining and virtualization technology, the core of which is the credit rating sub-platform, which uses cloud computing technology to deal with the modeling, operation and use of credit rating by integrating local government data such as industry and commerce, tax, water, electricity and so on.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：TP311.13

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