基于风险预警技术的银行信贷管理软件平台设计与实现

发布时间：2018-05-07 20:41

本文选题：商业银行信贷 + 风险预警　；参考：《天津大学》2016年硕士论文

【摘要】：随着国际金融市场一体化的发展,商业银行信贷管理方式发生了重大的变化。银行信贷管理是商业银行核心业务,也是银行利润的主要来源。伴随着商业银行信贷管理风险的增加,只有采用使用的先进的管理模式,采用先进的预警机制才能实行科学化和规范化信贷业务的管理,减少信贷风险爆发的概率。本文首先介绍了商业银行信贷管理研究背景,通过国内外现状对比,对我国信贷业务管理中存在的问题进行了分析,从而引出研宄该系统的意义。通过需求分析说明了论文的研究内容和软件中关键技术的应用形式,进而对论文的系统设计原则、系统结构及系统功能模块进行了详细论述。论文以信贷管理软件平台设计核心,以模块化的方式进行设计,平台分了信用获取模块,客户信息模块,贷款审批模块和贷后管理模块,满足了信贷风险管理的需求,对信贷数据进行统一化管理,对数据的管理也体现了对系统流程的管理。论文中以预警风险技术为新技术的创新在软件平台中实现了对信贷风险预警功能的实现,从风险度量的计算,企业预期违约概率计算,平均预期平均赔付率计算等角度分析预警指数,使银行在进行信贷风险评估的过程中能够有足够的依据判断风险发生的概率。系统根据银行系统海量数据的实时处理特点,采用了性能优异的服务器作为软件平台的运行环境,对银行信贷风险管理软件系统进行了整体性的功能测试和性能测试,从整个结构上看来设计清晰,性能满足设计要求。
[Abstract]:With the development of the integration of international financial market, great changes have taken place in the way of credit management of commercial banks. Bank credit management is the core business of commercial banks and the main source of bank profits. With the increase of the risk of credit management in commercial banks, only by adopting the advanced management mode and adopting the advanced early-warning mechanism can the management of credit business be scientific and standardized, and the probability of credit risk breaking out can be reduced. This paper first introduces the research background of credit management of commercial banks, analyzes the problems existing in the management of credit business in our country through the comparison of the present situation at home and abroad, and then leads to the significance of studying the credit management system. The research content and the application form of the key technology in the software are explained through the requirement analysis, and then the system design principle, the system structure and the system function module are discussed in detail. The design core of credit management software platform is designed by modularization. The platform is divided into three modules: credit acquisition module, customer information module, loan approval module and post-loan management module, which meet the demand of credit risk management. Unified management of credit data, data management also reflects the management of the system process. In this paper, we use early-warning risk technology as the new technology innovation to realize the function of credit risk warning in the software platform, from the calculation of risk measurement, the calculation of enterprise expected default probability. In order to make the bank judge the probability of risk in the process of credit risk assessment, the paper analyzes the early warning index from the angle of calculation of average expected average loss rate, and makes it possible for banks to judge the probability of occurrence of risk in the process of credit risk assessment. According to the real-time processing characteristics of the massive data of the banking system, the system adopts the excellent performance server as the running environment of the software platform, and carries on the integral function test and the performance test to the bank credit risk management software system. From the whole structure, the design is clear and the performance meets the design requirements.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：TP311.52

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