贷款客户风险评估系统的设计与实现

发布时间：2018-02-27 07:50

本文关键词： 贷款风险评估评估模型 B/S网络模式　出处：《吉林大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着我国经济的高速发展,企业或个人对资金的需求日益迫切。因此,银行对管理贷款和提高资金的利用率,提出了更高的要求。随着金融市场管理的逐渐完善,银行贷款业务的管理水平也在不断的提高。银行在控制贷款风险,降低不良贷款率,减少坏账做出了大量的工作。伴随贷款业务的增加,对银行的信贷管理水平有了更高的要求。银行贷款的风险主要来自于借款人的风险。如果贷款人是个人,则贷款人的日常信用度、职业、收入水平,对信贷风险评估就显得非常主要。如果信贷人是企业,则企业的经营状况、企业规模和企业的管理水平是贷款风险的主要因素。银行在信贷管理水平的不断改革,通过高科技的手段,在贷款前对客户的风险进行评估,对风险高的客户,采取一定的防范措施,是银行未来在贷款业务中需要完成的主要任务。本文结合自己在建设银行的信贷部门的实际工作特点,结合建行贷款业务的实际需求,设计完成了银行客户贷款风险评估管理系统。本文设计的系统主要针对个人贷款客户,未来的工作是完善系统,增加对企业用户的风险评估。本文设计的系统,充分考虑了贷款客户的金融信誉度,通过评估模型和评估参数的确立,完成对个人用户的信用风险评估。本文主要研究内容如下:1、系统采用B/S网络框架、PHP语言、MYSQL数据库管理技术,完成设计贷款客户风险评估系统;2、系统的主要功能是风险评估、信息管理、业务统计和数据管理。3、研究分析了贷款风险评估算法。4、根据评估模型、分析贷款客户的信用评价问题、评估出客户的信用等级。5、应用软件工程的设计理念,对系统的设计采用流程设计、实体分析、需求分析、用例分析、关键代码分析等。
[Abstract]:With the rapid development of China's economy, the demand of enterprises or individuals for funds is becoming increasingly urgent. Therefore, banks have put forward higher requirements for managing loans and improving the utilization rate of funds, and with the gradual improvement of financial market management, The management level of bank loan business is also constantly improving. Banks have done a lot of work in controlling loan risk, reducing non-performing loan rate, and reducing bad loans. There is a higher demand on the credit management level of the bank. The risk of the bank loan mainly comes from the risk of the borrower. If the lender is an individual, the daily credit degree, occupation, income level of the lender, The credit risk assessment is very important. If the credit person is an enterprise, then the enterprise's operating condition, the enterprise size and the enterprise's management level are the main factors of the loan risk. Through high-tech means, to assess the risk of the customer before the loan, and to take certain preventive measures for the high-risk customer. It is the main task that the bank needs to complete in the loan business in the future. This paper combines the characteristics of its actual work in the credit department of China Construction Bank and the actual demand of the loan business of CCB. Designed and completed the bank customer loan risk assessment management system. The system designed in this paper is mainly for individual loan customers, the future work is to improve the system, increase the risk assessment of enterprise users. Taking full account of the financial reputation of loan customers, through the establishment of evaluation model and evaluation parameters, The main contents of this paper are as follows: 1. The system uses the B / S network framework and MySQL database management technology to complete the design of loan customer risk assessment system. The main function of the system is risk assessment. Information management, business statistics and data management .3. this paper studies and analyzes the loan risk assessment algorithm .4. according to the evaluation model, it analyzes the credit evaluation problems of the loan customers, evaluates the credit rating of the customers, and applies the design concept of software engineering. Process design, entity analysis, requirement analysis, use case analysis, key code analysis and so on are used in the design of the system.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：TP311.52

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