银行个人信贷管理系统的设计与实现

发布时间：2019-04-19 08:04

【摘要】：金融业是当前发展速度较快的行业,银行作为金融业的主流产业已经开启了全球化经营和市场化的经营模式目标前进。信贷是银行的主营业务,也是其实现盈利的主要渠道,但还承担着贷款不还、死账呆账等重大风险。其中信贷业务的主要面对群体是个人的信贷业务情况,它的主要特点是利润丰厚,不用占据更大的资本消耗,在信贷业务的份额中所占比例很大。随着银行个人信贷业务量的节节攀升,作为银行下设的网点规模也在随着需求的增加而逐步增加,其业务和信息等重要参数的管理就会面临着更多的问题,这些存数在银行管理系统上的重要信息因其重要程度的差别会设定不同层面的查询允许。此外,随着业务种类的不同,信贷的业务流程也会进行必要的调整,这样就会对银行信贷数据安全提出新的更高的要求。同时,随着银行与其分支机构联系的日益紧密,它们之间的信贷信息交互也在不断增多,信贷信息系统本身存在的安全隐患不断显现,给银行带来巨大的风险。所以,设计开发一款规避上述风险,更加安全稳定的个人信贷风险管理系统十分必要,也将是具有划时代意义的完善和革新。本论文以ZY银行为蓝本,对其个人信贷管理系统进行全方位的解剖研究,深入阐述了研发这款系统的相关背景、目的、意义和现状,对其设计目标、发开方法以及技术架构进行了重点论述和说明。对该系统的市场前景作了深入客观的分析,详细介绍了系统的业务前景,以及其自身具备的相关功能和系统内部运行环境需求等,并通过用例图进行了重点分析和描述。在本款系统设计中,体现了整体设计与模块设计相结合的方式进行,整理划分出信贷管理、审批、发放、贷款等功能模块,并通过包图、类图、流程图等一系列图表,对系统设计进行了深入陈述,还利用实体类图、E-R图和相关表格图例对系统进行了全面设计;论文还对指出了系统当前不能克服的缺陷做了说明,并对系统的未来研究方向提出了建设性意见。
[Abstract]:As the mainstream industry of financial industry, banking has started the goal of globalized management and market-oriented management mode. Credit is the bank's main business, but it is also the main channel for profit, but also bear the risk of non-repayment of loans, dead debts and other major risks. Among them, the main face group of credit business is individual credit business, its main characteristic is that it is rich in profits, does not need to occupy more capital consumption, and accounts for a large proportion of credit business share. With the bank's personal credit volume rising, the size of the bank's branches is also gradually increasing with the increase of demand, and the management of its business and information and other important parameters will face more problems. The important information of these deposits in the bank management system will set different levels of query permission due to the difference in their importance. In addition, with the different types of business, the business process of credit will be adjusted as necessary, which will put forward new and higher requirements for the security of bank credit data. At the same time, with the increasingly close connection between the banks and their branches, the exchange of credit information between them is also increasing, and the hidden dangers of the credit information system itself appear constantly, which brings great risks to the banks. Therefore, it is necessary to design and develop a personal credit risk management system which avoids the above risks and is more secure and stable. It will also be an epoch-making improvement and innovation. This paper, based on ZY Bank, makes a comprehensive anatomical study of its personal credit management system, and expounds the background, purpose, significance and present situation of the research and development of the system, as well as the design objectives of the system. The development method and technical framework are discussed and explained in detail. In this paper, the market prospect of the system is analyzed deeply and objectively, and the business prospect of the system is introduced in detail, as well as the related functions of the system itself and the requirements of the internal operating environment of the system, and the emphasis is analyzed and described through the use case diagram. In the system design of this section, it embodies the combination of the overall design and the module design, sorting out the functional modules such as credit management, examination and approval, granting, loan and so on, and through a series of diagrams such as package diagram, class diagram, flowchart, etc. The design of the system is described in depth, and the system is designed in an all-round way by means of entity class diagram, E _ (R) diagram and related table diagram. The paper also points out the defects that the system can not overcome at present, and puts forward some constructive suggestions on the future research direction of the 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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