Commercial Bank Credit Management Analysis System Customer Intelligence Assessment Module Design and Implementation
Abstract
With China's reform, opening up and the market economy develops further， State-owned commercial bank credit asset quality continued to decline, rising credit risk. Currently, in the analysis of the commercial bank credit management issues, more focus on risk analysis, thus ignored by enterprises eva luating loan contracts to repay the principal and interest of loans will and capacity management of the credit -- credit hours Analysis. The success of loans and credit assets depends to a large extent on the quality of credit analysis is scientifically reliable and whether credit analysis integrity.
The design of the credit analysis from the tenets of Western Commercial Bank, Western commercial banks generally use credit analysis system, obviously. This paper describes the analysis of commercial credit management system customer’s intelligent module (credit analysis) design and implementation. Enterprises and individuals from two different types of customers affected customer’s credit analysis of the factors. And on this basis, the development of intelligent design eva luation module to help commercial banks raise funds to credit utilization, the quality of credit assets.
This paper from the credit analysis in commercial credit management role began to elaborate, introduced a credit analysis of the importance and impact of credit ratings of various factors. Personal credit rating through basic personal information is assessed. Corporate credit rating through the financial information and non-financial information for comprehensive assessment。
Through credit analysis, Commercial banks can objective understanding of the business or individual strength size and repayment ability. Thus judge the borrower's credit rating to the level of bad debts over to reduce the incidence of accounts and credit losses. Due to the recent item on the line, he still can not see the obvious results.
