银行电商在线信贷风险管理系统的设计与实现

发布时间：2018-10-12 08:54

【摘要】：信贷是商业银行的永恒主题,如何在激烈竞争的互联网时代胜出,如何利用互联网技术发现潜在客户,如何在网络经济时代主动创新留住客户,已成为银行业当前发展的主要任务。而银行业怎样利用计算机信息系统提高服务水平,增强市场竞争力,提高信贷管理水平和信贷质量,预防和减少信贷风险发生,直接关系到银行业能否可持性发展。在互联网日益发达的今天,互联网金融特别是互联网信贷已经日益成为整个金融市场的重要组成部分。在各大电商企业纷纷介入互联网信贷市场,抢分蛋糕,挤占传统银行市场份额,分食传统信贷利润的时代背景下,开展电商信贷已成为商业银行的急迫需求,而开发有别于传统信贷管理系统的电商在线信贷业务风险管理系统更成为当务之急。本文基于某商业银行拟与某电商平台合作开展电商在线信贷业务的需求,根据其办理要求及操作流程,首先研究系统的开发背景和意义,国内外的研究现状,在充分的调研过程中详细分析系统的需求,并在分析系统需求的基础上,确定系统的技术架构,完成系统各个功能模块的定义,采用流程图等方式对系统功能进行详细描述和设计,以及各模块功能的实现。最后,本文对网上审批系统进行了总结和展望。
[Abstract]:Credit is the eternal theme of commercial banks, how to win in the fierce competition of the Internet era, how to use Internet technology to find potential customers, how to actively create and retain customers in the era of network economy. Has become the main task of the current development of the banking industry. How to use computer information system to improve service level, enhance market competitiveness, improve credit management level and credit quality, prevent and reduce the occurrence of credit risk, is directly related to the sustainable development of banking. With the development of the Internet, Internet finance, especially Internet credit, has become an important part of the whole financial market. In the context of the times when all the major e-commerce enterprises have been involved in the Internet credit market, grabbing the cake, squeezing away the market share of the traditional banks and eating into the profits of the traditional credit, developing e-commerce credit has become an urgent demand of commercial banks. It is urgent to develop the online credit risk management system which is different from the traditional credit management system. Based on the demand of a commercial bank to cooperate with a certain e-commerce platform to carry out online credit business, according to its processing requirements and operation process, this paper first studies the development background and significance of the system, and the current research situation at home and abroad. In the process of full investigation and research, the requirements of the system are analyzed in detail, and on the basis of analyzing the requirements of the system, the technical framework of the system is determined, and the definition of each functional module of the system is completed. The function of the system is described and designed by flow chart, and the function of each module is realized. Finally, this paper summarizes and prospects the online examination and approval system.
【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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