农村小额信贷信用风险控制系统的设计与实现

发布时间：2018-01-02 02:29

本文关键词：农村小额信贷信用风险控制系统的设计与实现　出处：《湖南大学》2014年硕士论文　论文类型：学位论文

【摘要】：在农村金融机构中，农村信用社（以下简称“农信社”）的服务市场是面向广大农村市场，其信用贷款的对象、风险有别于普通的商业银行。作为服务广大农村市场的主要金融机构，中国的农村信用社在解决农民小额贷款问题上显得尤为重要，直接代表并反映了我国农村信用贷款制度的整体特征。如何有效地控制小额信贷的风险便成为农村金融机构信贷部门的首要任务。信贷风险控制系统是业务管理和信息管理体系的组成部分，主要按客户处理贷款为业务路线，，以客户为中心，进行小额贷款及相应的风险控制管理。采用MVC设计模式、Java Web框架对系统进行架构，使用OLAP技术实现系统的在线式查询访问、使用DIV+CSS技术实现对界面的搭建、使用Jquery异步技术实现对系统数据信息的异步查询，实现整个农村小额信贷信用风险控制系统，包括客户管理、业务管理、利息管理、信贷人员管理、风险分析与控制和查询统计等六个方面的业务功能。凭借着网络化平台实现系统数据信息的共享，在建立客户个人资料时系统将为客户设立个人档案，包含客户基本信息、信用程度、家庭信息等详细信息，实现统一客户的信息共享。系统通过信用评级、智能评分等方式对客户发生的所有信贷行进行分析、统计，其结果将直接影响到用户的信用，从而实现有效控制信贷的风险。信贷风险控制系统的实施能给贷款业务在安全的环境下带来极大的方便和快捷，使得贷款业务戴上合规的安全帽，在一定程度上填补了农村金融的空白，丰富农村信贷制度的内容，对农村金融资源的合理、有效配置起到了十分重要的作用。
[Abstract]:In the rural financial institution, rural credit cooperatives (hereinafter referred to as the "Rural Credit Cooperatives") service market is for the majority of the rural market, the credit risk, is different from the ordinary commercial banks. As the main financial institution to serve the majority of the rural market, rural credit cooperatives China is particularly important in solving small farmers the loan problem, directly represents and reflects the overall characteristics of China's rural credit loan risk. How to effectively control the microfinance credit sector has become an important task of rural financial institutions.
The credit risk control system is part of the business management and information management system, the main processing according to customer loans for business line, take the customer as the center, a small loan and the corresponding risk control management. Using the MVC design pattern, Java framework and Web framework of the system, realize the online query system using OLAP technology to achieve access. To build the interface using DIV+CSS technology to realize the asynchronous data information query based on Jquery technology, realize the whole rural micro credit risk control system, including customer management, business management, interest management, credit management, six aspects of risk analysis and control and query statistics functions. By virtue of sharing the system data information network platform, the establishment of customer personal information system will be set up personal files for customers, including basic customer information, the letter With the degree of family information and other detailed information, realize the sharing of the information system. Through the unified customer credit rating, credit analysis, all intelligent score etc. on the client's statistics, the results will directly affect the user's credit, in order to achieve effective control of credit risk.
The implementation of credit risk control system for loan business in a safe environment and bring great convenience and fast, safety helmet makes the loan business wear compliance, to a certain extent, to fill the gaps in rural finance, rural credit system is rich in content, the rural financial resources reasonable and effective allocation plays an important role.

【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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